AMEX soft pull?

[kwazziee]

Is this true that AMEX will do a SP if you are denied and HP if you are approved? Thanks.

[Duncanrr]

True. (if you already have an AMEX card)

[kwazziee]

Since I already have the AMEX Green I will nto loose anything by apping for another AMEX card? What if I get a denied should I recon? I have had the Green since Nov. 2011. Run it somewhere between 500 - 1K monthly. Any thoughts?

[Dustink]

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@kwazziee wrote:

Since I already have the AMEX Green I will nto loose anything by apping for another AMEX card? What if I get a denied should I recon? I have had the Green since Nov. 2011. Run it somewhere between 500 - 1K monthly. Any thoughts?

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What Amex card are you looking to apply for?

As long as all of your other accounts are in good standing, you should be in good shape to apply for another card.

[kwazziee]

It is in very good standing. Have been PIF each month since card was opened. I would like to apply for the BCE. What are my chance and if denied what are my chance of recon?

[Duncanrr]

We need more info: 1. credit scores, 2. AAoA, 3. how long you had AMEX product, 4. baddies on reports (if any), 5. Utilization, 6. number of inquires, 7. income; and 8. blood type

[CruzImperial]

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@Duncanrr wrote:

We need more info: 1. credit scores, 2. AAoA, 3. how long you had AMEX product, 4. baddies on reports (if any), 5. Utilization, 6. number of inquires, 7. income; and 8. blood type

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IQ factors in as well. Oh and don't let me tell you about race. That's a killer

[kwazziee]

Okay, if I have too.

1. EX 702 TU 714 EQ 698

2. 3 years / 9 months

3. since Nov 2011

4. no baddies clean CR on all 3

5. 50% (due to DW AU Chase card) can I explain this if recon needed?

6. 4-6 inquiries each (2 years)

7. 45K

8. GEE WIZZ I've knew this was needed to see if I can get approve. Oh well if I have too then it's A+B+C

[CruzImperial]

The scores are just about there but the util is a big drawback.

To be honest, I'd wait until January 2013 and get the full backdate to 01/2011.

However, as stated before, if a denial letter shallcome your way, the expected losses are .. nothing!

So, might as well apply but I see it difficult to get it right now. As for the recons, I've heard many times they are a waste of time.

[Dustink]

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@CruzImperial wrote:

The scores are just about there but the util is a big drawback.

To be honest, I'd wait until January 2013 and get the full backdate to 01/2011.

However, as stated before, if a denial letter shallcome your way, the expected losses are .. nothing!

So, might as well apply but I see it difficult to get it right now. As for the recons, I've heard many times they are a waste of time.

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+1

Your utilization is the biggest problem here. Solve that, and you will be in much better shape.