American Express card possible approval maybe

[Darrin73]

629 fico 8 score 2 baddies 2 inquiries 2 lates  2 years ago. What are my chances n which card would be the easiest 

[coldfusion]

With a FICO 8 score of 629 your odds of approval are going to be pretty poor regardless of which AMEX card you apply for.  

Odds improve somewhat with a score over 650 but you really want to have an EX FICO 8 score in the 670-680 range to have reasonable odds of approval.

Do you have a BK reporting and if so a) when was it discharged, and b) was AMEX IIB?

[Darrin73]

No bk

[coldfusion]

If there is a BK reporting less than 61 months old AMEX will not approve regardless of how good one's post-BK history is, which is why I asked.

I wouldn't say you have no chance as there have been people with scores close to yours who have been approved but the odds are very much against you right now.

[Darrin73]

Yea I'm making payments towards my navy federal accounts to make them whole again this is what's hurting my scores 

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@coldfusion wrote:

If there is a BK reporting less than 61 months old AMEX will not approve regardless of how good one's post-BK history is, which is why I asked.

I wouldn't say you have no chance as there have been people with scores close to yours who have been approved but the odds are very much against you right now.

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[OmarGB9]

I would definitely hold off. I tried applying with Amex twice last year - once with scores in your range, once with scores in the 650 range. Both times I still had one unpaid CO and 6 paid. It wasn't until I paid off that last CO and brought my scores up to 680 along with 7% utilization that I got approved - and even then, it was borderline ($1k SL and double HP - 1 on EX and 1 on TU).

[4sallypat]

You may want to get some starter / subprime cards like Capital One, Discover, Merrick...

I had to do that to build up credit until I got to the high 600s before I applied for anything decent...

[Darrin73]

I have discover Ollo credit one Amex version first Premire I have credit like I said my baddies are was holding my scores down that I'm paying on

[Yasselife]

Are you currently doing AZEO? Maybe that could raise your scores enough to be approved. 
   I've got in with mid 600s, but was denied the bonus... $1000 starting limit 5 yrs ago.

@Darrin73 

[Darrin73]

I'll try that for awhile n see what happens