I wouldn't take this as a guarantee. YMMV, of course.
anderl wrote:
... I am not interested in getting the card-wanted to wait till next year and try again for an AMEX on my own and possibly add my sis and Mom as AU's.
That's the important thing. This isn't the right time in
your plan to get this card. Don't let yourself be swayed by online offers and buzz on the CC forum and ads on TV. Just do what's right for you.
It isn't going anywhere. Stick to your plan, and when the time comes, you'll be in even better shape, and you'll wind up with a better deal (APR, CL, etc.)
I know, I get curious about whether I could get this, that, and the other, too, but I've seen enough damage on my own accounts from lowering my AAoA by apping that I try to be very judicious these day.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007