Chances of getting in with Amex?

[Anonymous]

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

[ojefferyo]

---

@Anonymous wrote:

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

---

The scores are a bit too low for the cards you want especailly with a collection on your CR

[Anonymous]

---

@ojefferyo wrote:

---

@Anonymous wrote:

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

---

The scores are a bit too low for the cards you want especailly with a collection on your CR

---

I was afraid of this....

[Anonymous]

Is the collection paid, and if so for how long?  Is there anything you can do to bring down your util?  

[Anonymous]

---

@Anonymous wrote:

Is the collection paid, and if so for how long?  Is there anything you can do to bring down your util?  

---

The collection is not paid, I helped a "friend" move into an aparment 5 years ago and that was that, never paid. total balance on that is $5900 it shows as a joint account. I am just going to bring down my util to the low teens and app in a couple of months, I'd hate to get denied with amex again (ive applied about 6 months ago with no luck)

[racer-x]

Whats the DOFD on the collection?  Was it reported in 2010, or more recent?

[Strogen]

Best you can hope for is an Amex charge card. 

[Anonymous]

Yes right now you have a virtually zero chance. I applied a little while back with a very similar profile to you but with higher score and lower util and was denied. Things may change now as I assume they may attempt to gain new customers, but I would say wait until December so you can get in this year and hopefully your scores will be back up by then.

[Anonymous]

Slim to none.

[Vegas247]

---

@Anonymous wrote:

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

---

I was approved last year with a EX score of 658 for a credit limit of 1k (now at 9k with CLIs) with a $45.00 parking ticket collection (unpaid) and a satisfied judment....