AMEX approval odds?

[brcamacho]

Looking at my current signuture. WIth an overall util of 20.08% with one card at 3.71% and another at 50.4%, what do you think my odds are of geeting approved for an AMEX.

Charge would be fine, as im looking to just get in with them.

Thanks

[Jeff007245]

With your current utilization profile its looking 40-60. Pay those down to increase your odds.

We also need more information like your FICO score, Income, Length of History, Number of Accounts, Derogs etc....

[brcamacho]

Sorry after re-rereading what i typed it doesnt make sense.

Card A at 50.40% UTILI

Card B at 3.71% UTILI

Total UTILI at 20.08%

All other cards at zero.

Fico's in my signature are the most up to date i have.

Thanks

[Creditaddict]

APPROVED... Apply

[09Lexie]

Derogs? Number of inq's? Number if new TLs? 

Are the remaining cards showing a 0 balance?

[brcamacho]

Yess all other cards are at zero.  No derogs.  Inq's are at 5.

[Jeff007245]

It should be good enough to get approved. If ever you get a 5-7 day message, call and see what the reasons are. If its high utilization on your one card, explain to them that its been paid down and hasn't updated on the report.

I really don't see you having a problem though.

[Lin55]

OP, I was approved with an OVERALL util of 48%. It was an instant approval (Amex charge card). 

What got me instantly approved (and i'm pretty sure) is cause I have a thick/clean file and low HPs at the time.

I'd say you have a good shot assuming your AAoA is pretty lengthy?

[Rhaeny]

Yea from the looks of it, and compared to my profile of which yours looks better, you look sweet to get it.  My utili was at 45% and it was an instant approval on the first card (Amex Delta).  I of course came here and posted about and forgot that if you apply again it's still only 1 HP.  So I hit that submit button again and I got the message to call in.  They just needed to verify my info and I was approved for the Amex BCP.  That was just last week on Thursday.

So yep, go ahead and apply and if you get the first card, then apply again to get the second one.

Good Luck!

[Lin55]

---

@Rhaeny wrote:

Yea from the looks of it, and compared to my profile of which yours looks better, you look sweet to get it.  My utili was at 45% and it was an instant approval on the first card (Amex Delta).  I of course came here and posted about and forgot that if you apply again it's still only 1 HP.  So I hit that submit button again and I got the message to call in.  They just needed to verify my info and I was approved for the Amex BCP.  That was just last week on Thursday.

So yep, go ahead and apply and if you get the first card, then apply again to get the second one.

Good Luck!

---

Wow, 45% UTIL and approval on a revolver!  I knew I could get a charge card at 48% UTIL but I didn't think that would get me approved for a revolver (I should of tried). My FICO was around 670-680 at the time.

It shows if you have a thick/clean file anything is possible.