AMEX Prequal

[satio]

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@Anonymous wrote:
I would honestly say that if it were me, I’d app for one of the preapproved cards and the Gold right after. Can’t hurt to try honestly. I was approved with a 656 four days after being approved for BCP. You have some solid cards which helps. I’d go for it. And yes, while Amex has the right to pull any bureau, or to pull more than one, they are almost always an EX puller.

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Thanks!

[AverageJoesCredit]

Rightly or wrongly, we live in a very different credit environment this year than years past. Lenders are quicker on the trigger to close accounts they perceive as risky and as bad as it is, ar least we csn still reapply and get another. Sorry about your closures but looks like you are on a good path again and at least you have USAA and Navy, which many cant have .

[satio]

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@AverageJoesCredit wrote:
Rightly or wrongly, we live in a very different credit environment this year than years past. Lenders are quicker on the trigger to close accounts they perceive as risky and as bad as it is, ar least we csn still reapply and get another. Sorry about your closures but looks like you are on a good path again and at least you have USAA and Navy, which many cant have .

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Agreed.

I am a big fan of USAA... I have had nothing but stellar service from them over my 30+ years of having various accounts and insurance products with them. 

Thanks to MyFico I learned all the positives about NFCU and though my membership is new, so far I have been equally impressed.

[Anonymous]

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@satio wrote:

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Discover did the same thing in May 2019. 4800CL. Account opened in 1990. Paid them religously since opening and for 5 years through all my struggles that started in 2014, 1 30 day late in 2017, 29.99 interest no less the whole time.

Finally was able to pay off to 0 balance in December 2018. They didn't lower CL or anything. Might have expected that. Come May 2019 they closed my account. My scores were low 610-620 at the time across all CRAs.

I called them at at the time, they noted items that were found in my report. Told them those are paid they just haven't reported yet. Rep didn't care. Told me I could reapply in a few months.

Not sure I will ever open another account with Discover based on the experience but the point of pain is till recent.

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Discover seems to have been going crazy of recent trying to minimize any risk with no care about loyality. 4506-T's even on secured cards and it's not isolated. This just adds to it.

Personally, I wont touch Discover after their recent trends.  

[spiritcraft1]

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@Anonymous wrote:

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Discover seems to have been going crazy of recent trying to minimize any risk with no care about loyality. 4506-T's even on secured cards and it's not isolated. This just adds to it.

Personally, I wont touch Discover after their recent trends.  

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Agree here.  On the other hand, my Wife was approved for a AMEX Gold almost two months ago with a 630 FICO 08 so I imagine you would be set if that is your first choice.

[Anonymous]

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@satio wrote:

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@Anonymous wrote:

Gold card is not that hard to get. High 600 score is enough for it. I would find a good referral link with 50k SUB and apply for gold. Worst case is a hard pull and won't hurt you that much.

Delta gold is only good for subs, lol. If you want that, make sure it has a 60k+ SUB.

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Is AMEX using EX only for HP or ____?

I looked for the thread which has who pulls from where but I haven't found it again.

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amex pulls EX and uses bankcard score2. mine was about 704 when i got approved. when i got prequals from them they showed me a charge card and 2 credit cards which meant that i had a prequal for everything. at first they didn't give me any prequal. it was because i wasn't filling out all the optional parts of the prequal form. i didn't think it would make a difference because they said its optional.

hope this helps, good luck!