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I really want an AMEX charge card, either green or PRG. It would make sense for me to get one because I currently use my NFCU card to pay my monthly expenses(minus rent) which comes to about $1200/mo. Looking to see if I should pull the trigger or wait it out till the end of the year to apply. Here are my vitals:
3 total SL in rehab(5 TLs), rehabbing since January...$8000
HSBC CO(currently disputing b/c acct was fraudulently open in my name)
LVNV(just had removed...tied to HSBC acct)...$1175
First Premier CO....PIF jan 2008...have read impossible to GW to delete
NFCU auto loan...$3700, opened 4/13
Current accts all in good standing, no baddies, missed payments since military star card was opened in Feb 2010
Utilization @ 4%. The only issue I think I might run into is that my NFCU card was opened last month, along the auto loan listed above. I know they pull experian, but no way for sure to truly know what my score is be it that one I have is a FAKO. What are you thoughts on how I should proceed?
I think you have a good shot at either one. Go for it.
Thanks for the replies. @enharu, I've also read threads on here that AMEX will waive all AF for active duty military personnel. If that's the case, getting the card would make more worth it. I would like more fedelity on that. Also, I'm not too much worried about the AF as I am about my utilzation. Understanding that the high balance that is reported doesn't affect UTI makes it more attactive in my eyes. The charge card in general suits my lifestyle. But I understand what your saying.
@CreditJunkie917 wrote:I really want an AMEX charge card, either green or PRG. It would make sense for me to get one because I currently use my NFCU card to pay my monthly expenses(minus rent) which comes to about $1200/mo. Looking to see if I should pull the trigger or wait it out till the end of the year to apply. Here are my vitals:
3 total SL in rehab(5 TLs), rehabbing since January...$8000
HSBC CO(currently disputing b/c acct was fraudulently open in my name)
LVNV(just had removed...tied to HSBC acct)...$1175
First Premier CO....PIF jan 2008...have read impossible to GW to delete
NFCU auto loan...$3700, opened 4/13
Current accts all in good standing, no baddies, missed payments since military star card was opened in Feb 2010
@Anonymous @ 4%. The only issue I think I might run into is that my NFCU card was opened last month, along the auto loan listed above. I know they pull experian, but no way for sure to truly know what my score is be it that one I have is a FAKO. What are you thoughts on how I should proceed?
IMO I do not think they will approve you. I would consider gardening for for at least 6 monthsa and do everything you can to get the fraudulent card removed and CO.
That's what I've been battling. It's easy to get caught up in all the successes that people have had on here, and i'm one more example of that. I've taken the necessary steps to work myself out of the hole I created. I know a couple more months wont hurt, but only help. Thanks!
@CreditJunkie917 wrote:That's what I've been battling. It's easy to get caught up in all the successes that people have had on here, and i'm one more example of that. I've taken the necessary steps to work myself out of the hole I created. I know a couple more months wont hurt, but only help. Thanks!
Take it from someone who jumped the gun with AMEX 3 times before being approved: Don't waste the INQ's! Be smart with them
Sounds like a plan!!
I too think you should wait a few months before applying. Allow your scores to grow just a bit more.
Good luck