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Good idea. Although you could get a card with the ~650, AmEx isn't really happy about lates within the last year. People have gotten cards with lates (me) and with that score, but the combo might be tough. You'll get a better deal if you app with a cleaner record and higher scores.
@gary4872 wrote:
I hadn't decided if I would app for the charge or credit card. My EX is too low for Amex - like 650 - I'm going back and forth w/Citibank with 3 lates reporting incorrectly last year to TU and EX. When I get those cleaned up, I would expect my scores to be similar to my EQ which is 733. In this case, I think I will be better off just waiting.
I agree!
gary4872 wrote:
I hadn't decided if I would app for the charge or credit card. My EX is too low for Amex - like 650 - I'm going back and forth w/Citibank with 3 lates reporting incorrectly last year to TU and EX. When I get those cleaned up, I would expect my scores to be similar to my EQ which is 733. In this case, I think I will be better off just waiting.
@gary4872 wrote:I hadn't decided if I would app for the charge or credit card. My EX is too low for Amex - like 650 - I'm going back and forth w/Citibank with 3 lates reporting incorrectly last year to TU and EX. When I get those cleaned up, I would expect my scores to be similar to my EQ which is 733. In this case, I think I will be better off just waiting.