Help me with AMEX plan

[alakazam]

So guys, I am in the garden for a month. I need a plan to get AMEX. My goal is Platinum (Mercedes co-branded) by April at latest. But I want an AMEX in 2012 for sure. This is why I think it's a good idea to start with the Zync. I just need advice on the timing for the app. Since I have "limited" history I don't know if my EX score is up yet since it hasn't been up for 2 months. I only have a score for EQ since my last app 1 month ago. Please help me form a strategy to get an AMEX by end of the year (when to apply, etc) and to get Platinum as fast as possible. Declared I make slightly less than 30K and pay no rent, below is my history:

4/12 - denied Expedia Citi
4/12 - CapitalOne Platinum $500
4/12 - denied CapitalOne VentureOne (auto)
6/14/2012 - denied AMEX Blue Cash Everyday
6/14/2012 - denied Discover Student
6/14/2012 - TU 658
6/15/2012 - denied AMEX Green (auto)
6/15/2012 - denied AMEX Zync (auto)
6/22/2012 - TU 713
6/25/2012 - denied Bank of the West (but applied on much earlier date)

I never carry a balance on my Cap1 and pay it off several times a month due to the low limit. 

[Anonymous]

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@alakazam wrote:

So guys, I am in the garden for a month. I need a plan to get AMEX. My goal is Platinum (Mercedes co-branded) by April at latest. But I want an AMEX in 2012 for sure. This is why I think it's a good idea to start with the Zync. I just need advice on the timing for the app. Since I have "limited" history I don't know if my EX score is up yet since it hasn't been up for 2 months. I only have a score for EQ since my last app 1 month ago. Please help me form a strategy to get an AMEX by end of the year (when to apply, etc) and to get Platinum as fast as possible. Declared I make slightly less than 30K and pay no rent, below is my history:

4/12 - denied Expedia Citi
4/12 - CapitalOne Platinum $500
4/12 - denied CapitalOne VentureOne (auto)
6/14/2012 - denied AMEX Blue Cash Everyday
6/14/2012 - denied Discover Student
6/14/2012 - TU 658
6/15/2012 - denied AMEX Green (auto)
6/15/2012 - denied AMEX Zync (auto)
6/22/2012 - TU 713
6/25/2012 - denied Bank of the West (but applied on much earlier date)

I never carry a balance on my Cap1 and pay it off several times a month due to the low limit. 

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Stop applying.

[LS2982]

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@alakazam wrote:

So guys, I am in the garden for a month. I need a plan to get AMEX. My goal is Platinum (Mercedes co-branded) by April at latest. But I want an AMEX in 2012 for sure. This is why I think it's a good idea to start with the Zync. I just need advice on the timing for the app. Since I have "limited" history I don't know if my EX score is up yet since it hasn't been up for 2 months. I only have a score for EQ since my last app 1 month ago. Please help me form a strategy to get an AMEX by end of the year (when to apply, etc) and to get Platinum as fast as possible. Declared I make slightly less than 30K and pay no rent, below is my history:

4/12 - denied Expedia Citi
4/12 - CapitalOne Platinum $500
4/12 - denied CapitalOne VentureOne (auto)
6/14/2012 - denied AMEX Blue Cash Everyday
6/14/2012 - denied Discover Student
6/14/2012 - TU 658
6/15/2012 - denied AMEX Green (auto)
6/15/2012 - denied AMEX Zync (auto)
6/22/2012 - TU 713
6/25/2012 - denied Bank of the West (but applied on much earlier date)

I never carry a balance on my Cap1 and pay it off several times a month due to the low limit. 

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Wait until Jan 13' and go for the Zync, do not app for anything else that would pull EX.

[OhioCPA]

Your file seems too thin for any Amex in my opinion. I would apply for either a store card from a jewelry store such as Kays and perhaps a store card backed by GE. The jewelry store card should be a nice limit and the GE card should grow.  Then in six to twelve months go for the Zync. After six months with the Zync then go for the Platinum.

[Anonymous]

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@alakazam wrote:

So guys, I am in the garden for a month.

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With so many denials and NO approvals, please stay in the garden for much longer than a month and, please don't apply for anything else. I hate to see you damage your credit profile any further. 

[searchingfor67]

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@OhioCPA wrote:

Your file seems too thin for any Amex in my opinion. I would apply for either a store card from a jewelry store such as Kays and perhaps a store card backed by GE. The jewelry store card should be a nice limit and the GE card should grow.  Then in six to twelve months go for the Zync. After six months with the Zync then go for the Platinum.

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€€+1

[searchingfor67]

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@searchingfor67 wrote:

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@OhioCPA wrote:

Your file seems too thin for any Amex in my opinion. I would apply for either a store card from a jewelry store such as Kays and perhaps a store card backed by GE. The jewelry store card should be a nice limit and the GE card should grow.  Then in six to twelve months go for the Zync. After six months with the Zync then go for the Platinum.

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+1

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[gettnthere]

+100. The inq"s alone are gonna kill your thin file if u don't stop

[searchingfor67]

+1000

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@Anonymous wrote:

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@alakazam wrote:

So guys, I am in the garden for a month.

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With so many denials and NO approvals, please stay in the garden for much longer than a month and, please don't apply for anything else. I hate to see you damage your credit profile any further. 

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*1000

[android01]

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@alakazam wrote:

So guys, I am in the garden for a month. I need a plan to get AMEX. My goal is Platinum (Mercedes co-branded) by April at latest. But I want an AMEX in 2012 for sure. This is why I think it's a good idea to start with the Zync. I just need advice on the timing for the app. Since I have "limited" history I don't know if my EX score is up yet since it hasn't been up for 2 months. I only have a score for EQ since my last app 1 month ago. Please help me form a strategy to get an AMEX by end of the year (when to apply, etc) and to get Platinum as fast as possible. Declared I make slightly less than 30K and pay no rent, below is my history:

4/12 - denied Expedia Citi
4/12 - CapitalOne Platinum $500
4/12 - denied CapitalOne VentureOne (auto)
6/14/2012 - denied AMEX Blue Cash Everyday
6/14/2012 - denied Discover Student
6/14/2012 - TU 658
6/15/2012 - denied AMEX Green (auto)
6/15/2012 - denied AMEX Zync (auto)
6/22/2012 - TU 713
6/25/2012 - denied Bank of the West (but applied on much earlier date)

I never carry a balance on my Cap1 and pay it off several times a month due to the low limit. 

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I agree with everyone else, STOP APPLYING.  It does more damage than good.  Good credit is not a short term deal.  You have to start somewhere, which you have with Cap One.  Your time frame for getting additional CL's is 1 to 2 years.