Approval odds....looking at Amex Gold and Hilton Surpass cards...

[Anonymous]

As it says gang, I am looking at my odds for these next 2 cards...as of 5/12/2021 my EX FICO 8 is 691.  I have eleminated all collections from my CR and only have 3 30 day lates and a 6 year old CO (which lead to aforemention removed collection) on my EX, EQ, and TU files.  I was wondering what my approval odds might be for one or both of these cards.  Amex has yet to update my Fico 8 on their app, so I know I need to at least wait until that happens, but just wanting a general consensus.  I've had my Amex Delta Gold for 4 months, always either PIF or let it be my one card in AZEO that reports ~ 10% util then of course its PIF'd. Overall revolving util is ~2.5-3%. Anyways thanks in advance for any and all input you all can provide me with...and have a good day and stay healthy!

edited to include total util.

[jcooks]

Go to the application page and see if you're pre-approved.  You would have a much better chance if it says you're pre-approved as apposed to applying to expand...

[Anonymous]

@jcooks I will certainly try that once Amex updates their Fico score...my score went up 47 points since their last SP...

[Ficoproblems247]

Also to note, is that once they update their FICO score for you to view, they will very likely continue to use the old score for their lending decisions for a bit longer. I've read varying speculations about how long to wait, but different folks have recommended anywhere from a week to a full month to be on the safe side. If it were me, I would wait until the score updates + at least a few more weeks. Also, like was already pictured in the previous post, look for the pre-approved verbiage too. That should be a pretty solid indication how they're feeling as well. 

[W261w261]

Second that above.  I waited until my EX F8 was 690, then until I saw a SP from Amex (current cardholder), then another couple days.

When I was approved, they quoted a score of 676 (last one before it jumped).  Hard to say what machinations were involved there, but do wait awhile after a score jump.

[Anonymous]

Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol. 

[Anonymous]

Well, Amex updated the Fico 8 on 5/11 shows an EX F8 of 673.  Still no deathmedic911, you're pre approved lingo when I click on apply for either card (for giggles I clicked on the basic Hilton and the Green card as well- same results with the applying to expand verbiage). So either I need to wait a bit longer and try again or perhaps come back in a month or 2 and see whats up after a bunch of inquries from car shopping last June become unscorable. 

Maybe this is a sign to stop looking at my credit every day and just check on things every so many weeks.  Anyways, everyone have a great day and stay safe!

[Jervo007]

I got approved for the AMEX Gold back in 2019 when my score was around 654 with 3/30 from 2016. As mentioned, I headed over to their application page just to see if I was in luck, and luck was on my side that day. The only other card I had at the time was my secured Discover Card.  I was surprised to say the least and while a pre-approval is no guarantee, I pulled the trigger anyway and was floored when I came back approved. Since then – its been my daily driver for 95% of my expenses. We use the points to book our flights with their airline partners every year.

Sounds like you're in about the same shape than I was then but with a higher score. Only difference is maybe Covid has them taking a closer look at applicants. At any rate, best of luck! Its such an awesome card. 

[jcooks]

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@Anonymous wrote:

Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol. 

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Be careful of looking out for a SP from Amex.  Every time you check your Fico Score or go to Free Credit Score and Report on Amex app, I believe those trigger SP from them as well.  Ultimately, you won't know if that SP on EX will be from you or from them automating it.

[K-in-Boston]

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@jcooks wrote:

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@Anonymous wrote:

Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol. 

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Be careful of looking out for a SP from Amex.  Every time you check your Fico Score or go to Free Credit Score and Report on Amex app, I believe those trigger SP from them as well.  Ultimately, you won't know if that SP on EX will be from you or from them automating it.

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The "free score" is a TransUnion VS3.  When looking at your FICO score through the now-buried link, it will only show the most recent Experian FICO 8 they have, and there will be no additional pull to refresh.