I got the Amex ed approval with a EX score around 690 and TU at around 665. They pulled the TU like 4 days later. Took them two weeks to make a decision due to a system glitch so I got frustrated and applied for BCE and was approved for that a week later and my EX score was 676 according to the card member agreement paperwork. I have multiple lates on my installment accounts but I have been clean on all my credit cards. One charge off from 2014 on a LOC and a judgement reported on EQ that they luckily did not pull. Good luck
A few things to keep in mind. While you could be approved with a lower score say 650 you will more than likely be stuck with a low SL, say $1k or even a rare $500. Once you get stuck in low SL territory it may take some time to get out of there. Not always a good place to start.
Another thing is there's more to approval than score and everyone's approval is different. You could have a decent score but could have high utilization, that's a denial more than likely, decent score and a charge off that's a possible approval. Every case is different and data points are great but they can be all over the map. Take a look at your EX score and overall profile and decide if it's right to pull the trigger, good luck.
Score is not the only factor here...They will look at your whole profile. It would help to know what baddies you have (lates, CO, BK,etc...) , and what positives you have too.
Every profile is different, but score is not the ONLY factor.
I got an Everyday last June with a 675 EX and a $15,000 starting limit. Score now 707. Still at 15K-no CLI needed! ;-) 0% thru August, then 20.24%-request a lower interest rate at that time-AMEX sometimes does that. Also have a senior gold card (not offered anymore). Initally denied reinstatement with a 667 score but was able to get it back last August.
approved for BCE on 4/21/16 with EX 656, two chargeoffs from 2013, a collection from 2013, and a 90 days late from 2013. 5 years oldest account, 2.2 AAoA
