One of my goals is to eventually obtain an amex revolver. I was just reading a post of someone who obtained one with only ten months of credit history. I have seen other posts recommend getting a amex charge card once a person has six months of credit history in order to get your foot in the door with amex and better your odds at being approved for a revolver. When I hit the 6-7 month of credit history (one of my cards is a Freedom) I intend to applying for CSP/Bold. Would there be any point going for an amex charge card at that point as well? The only reason for me doing so (at least that I can think of) would to be to establish a relationship with Amex and I was thinking that I would just forego the charge card step and apply for a revolver when I hit the one year mark of credit history. Thoughts/suggestions?
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Going the charge card route first has worked mostly on files with low scores 620-660 and baddies in the past ( old CAs or lates ) if your cr is clear but thin I see no need to app for a charge. Tbh, I don't see a need to app for anything you don't want or need.
Certain revolvers are supposedly 'easier' as your first Amex - as usual your credit profile will determine the outcome.
Certain revolvers are supposedly 'easier' as your first Amex - as usual your credit profile will determine the outcome.
I don't have any COs, but I do have some student loan lates in 2007 & 2009. Perfect payment history since 2009 and everything current.
I've been approved for Amex Blue recently with just 10 months of history. They did a triple pull and my TU score was 710 at that time.
My report is clean. Prior to Amex, I've got a 99/500 BofA, Discover, PP Extras MC and several store cards. My last inquiry prior to Amex was in April.
Btw, I reponded to a mail offer from Amex. Guess that improve my chance of being approved.
How many inq's/accts in the past 12 mos?
Prior to Amex:
TU:8
EX:2
EQ:1
New accounts: 8. All 8 accounts within 10 months.
When your AAOA is at least 6 mos, 9 is better IMO app for the cc you want.
@minipoly1 wrote:I've been approved for Amex Blue recently with just 10 months of history. They did a triple pull and my TU score was 710 at that time.
My report is clean. Prior to Amex, I've got a 99/500 BofA, Discover, PP Extras MC and several store cards. My last inquiry prior to Amex was in April.
Btw, I reponded to a mail offer from Amex. Guess that improve my chance of being approved.
Ugh a triple pull.
Triple pull with an approval is better than a triple pull with a decline.
@09Lexie wrote:
Triple pull with an approval is better than a triple pull with a decline.
You said it!