AMEX Question

[bellrod44]

I've been thinking about getting my foot in the door with AMEX. Does anyone have any suggestions on which card would be best with my scores (below in my sig)? I'd also prefer a credit card, not a charge card. My AAoA is about 2 years with no new accounts opened in the previous year.

[wHiTeSoL]

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@bellrod44 wrote:

I've been thinking about getting my foot in the door with AMEX. Does anyone have any suggestions on which card would be best with my scores (below in my sig)? I'd also prefer a credit card, not a charge card. My AAoA is about 2 years with no new accounts opened in the previous year.

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Rumors are that the Delta Gold is the easiest revolver to get. YEMV though. There is also two sign up offers floating around, 30k Delta miles w/$500 spend and 45k Miles with 5k Spend (through creditcard.com match tool) I was approved with slightly higher scores than you (10-15 points) so good luck!

[Anonymous]

TBH it would be quite difficult to get approved with AMEX with those scores, and a credit vs charge is even more difficult. Most people say the best way is to app for a charge card first, then if you get approved, app for a credit card (probably delta) immediately. I believe it would result in only one HP.

[09Lexie]

Besides the scores, what's your util? Any baddies?

[bellrod44]

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@09Lexie wrote:
Besides the scores, what's your util? Any baddies?

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My util is about 20%. I'm not planning on applying for another month or so. My most recent baddie is probably 4 years old.

[09Lexie]

Most recent baddie? How many are we talking about? If you don't mind sharing.

What's your AAOA?

[bellrod44]

I've got some baddies, probably 3-4 30 day lates, from 2008-2009 when I was out of work. Nothing late in the last 4-5 years. My AAoA is about 2-2.5 years.

[wHiTeSoL]

Like someone mentioned earlier, you scores are a little low. and your average limits aren't helping you. Besides those two points though I think you aren't in bad shape to get approved. 

[bellrod44]

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@wHiTeSoL wrote:

Like someone mentioned earlier, you scores are a little low. and your average limits aren't helping you. Besides those two points though I think you aren't in bad shape to get approved. 

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Thank you. I appreciate it. I'm not really in need of the card, just looking to get in with AMEX. Perhaps I'll wait until my scores come up a bit. I have a mortgage with 11 payments so far, so I'm hoping that'll help, too.

[MissCredit9]

IMO get your utilization down to no more than 5% preferrably with a balance only reporting on one card. That should increase your score slightly and put you in the best shape you could possibly be in moving forward to apply for AMEX. I have seen approvals with old baddies, but I believe it is in your best interest to appear pristine in all other aspects. Best of uck if you decide to app!