AMEX Approval Score?

[mongstradamus]

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@taxi818 wrote:

nrivas7 wrote

I was declined with a 653 for a charge card and revolving card

Really need to be over 665 to have honest good chance.

Not hard from 653 to 665 to raise score.

Just get that utilization down. and score wil get bumped.

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I honestly think you shouldn't app for card till you are much closer to 700 fico score range. I always like to have some wiggle room just in case. 

[taxi818]

taxi818 wrote: nrivas7 wrote I was declined with a 653 for a charge card and revolving card Really need to be over 665 to have honest good chance. Not hard from 653 to 665 to raise score. Just get that utilization down. and score wil get bumped. I honestly think you shouldn't app for card till you are much closer to 700 fico score range. I always like to have some wiggle room just in case.

+1

[taxi818]

Not to be off topic. Wow lindagirl1121.

Thats an expensive escalade. hehehe

[ezdoesit]

Just curious why does everyone say if you have a particular score then apply.  There is more an approval than Fico score.  Income,  AAoA,  Util.  etc...

Amex has their own internal score so just going by your Fico score might not be enough.  Also a little info on the OP CR would also help.

[taxi818]

That is true. But most assume going for amex he is making over 12 k a year. Hehehe. 

Asked if any baddies. No reply. I just assume his report is clean. 

You know what they say about assume

[ezdoesit]

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@taxi818 wrote:

That is true. But most assume going for amex he is making over 12 k a year. Hehehe. 

Asked if any baddies. No reply. I just assume his report is clean. 

You know what they say about assume

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Your right he was asked if he had any baddies.  I would like to assume his report is clean also but then why is his score so low?

[Anonymous]

Please DONT REMIND ME!! i can barley afford it... the leasing on the new style is so high... its a base model 10k year 39 month tax and fees upfront 

[taxi818]

Could be util. My scored dropped. 60 points when I paid 4 year old collection in May. Still not recovered. 

[ezdoesit]

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@taxi818 wrote:

Could be util. My scored dropped. 60 points when I paid 4 year old collection in May. Still not recovered. 

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Funny not really but it can drop 60 points in a flash and not recover in 3 months.  Like gas prices when it goes up.

[taxi818]

I thinking recovered about 30-35 if those points. 

Will do gw now. So sad. 290 cable bill did this. Moved 4 years ago. 

But back to op. You have point. Why score so low. aa of a with 

amex good with 6 months I think. Mine crashed. 5 months now. I had major app spree 

10 cards in a year. 2 thru shopping cart trick.