AMEX Approval Odds? Please Help.

[Anonymous]

Aim_High. First off I wanted to thank you for your input.

I cant believe with those scores that they would have denied you for the AMEX Gold.  I am still learning on which issuer is picky about certain things. I will definitely wait a little bit longer.  

[Anonymous]

Given your profile and the tightening of approvals, I'd at least pay the 6K in full and let it report before applying. 

That will also give you 2 more months for the economy and lending criteria to improve. 

[Anonymous]

---

@Anonymous wrote:

What was your scores last july when you applied? were they relatively close to mine?

---

I think it was around 670 at that time. I don't think that I'm the norm, though, from what I've seen on here. 

Edit: Spelling

[Anonymous]

How did you get your sig line looking like that. Mine i basic.

[Anonymous]

This thread may be helpfiul: https://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/t...

Sometimes if I can't figure out the code for something that I like on someone else's siggy I click Ctrl U and copy and paste their HTML into mine 

[Mv350]

---

@Remedios wrote:

Seems like no one is going to say it..again

They might approve you after your utilization goes down, but they've also tightened UW criteria, so I'd expect a denial. 

You have derogs, you are going to be a stepchild if approved. Once the initial excitement is over, the agony of "why my card wont grow when everyone else is" will start.

You will be told "they are getting to know you"  which will last till your file is clean. 

Derogs from only 3 years ago will land you in $1000.00  approval and tight Amex leash. 

I'd wait longer. 

---

+1 on this

I have 1 derog from over 6 years ago. I have a $500 BCE that had no SUB, and has no growth. My other cards, I'm an authorized user on. I would wait a little bit before applying. 

[kflo01]

I have an Experian score of 662. I tired for an Amex Green and was denied. The 2 reasons listed were too many inquires and too many accounts newly opened accounts. Nothing about the charge offs 3 unpaid 2 paid) and 1 unpaid collection still on my account. So i think if i didnt have those inquires and account opens I would have got it.