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A list of Amex questions...I'm teetering...help me?

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CodeMonkey
Contributor

Re: A list of Amex questions...I'm teetering...help me?

Hey Up,

I know it isn't the specific card you were asking about, but I recently apped for their Gold charge card and got approved. They pulled EX, which was a mere 718 for me at the time - it had 11 inquiries on it from the last 2 years, 7 of which were due to a recent app/CLI request spree. In spite of all these inquiries and the 3 other brand new credit accounts I've recently opened, the credit analyst I spoke with seemed pretty happy to accept me.

I do have a Blue with them that I have been PIFing the tar out of since a CLD due to poor financial management on my part a few years back - so whether or not that counted for or against me, I'm not sure.

My EQ and TU are considerably higher (due to the lack of inquiries I think) - in the 765+ range - but since they pulled EX they have no way of knowing that, so I'm wondering if they're really as selective as people make them out to be.

Good luck with everything!

Message Edited by CodeMonkey on 08-15-2008 06:23 PM
Message 11 of 12
Anonymous
Not applicable

Re: A list of Amex questions...I'm teetering...help me?

CodeMonkey, Thanks very much for your very informative post.  I really appreciate the info. and your experience with them.  It gives me a wee bit more confidence in applying in a few months, if I decide to go through with it.
Message 12 of 12
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