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Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX.
OP I'd say go for it.
@Jlu wrote:Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX.
OP I'd say go for it.
You're correct on their charge cards, but Amex revolvers are a different animal. I suspect in this case there will be 2 reports pulled: new customer, not quite easy approval. Could well be wrong, but I wouldn't bet on it's being an EX pull only in this instance.
It's possible. I have only applied for their charge cards where they pull EX only.
They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.
@SwampSystems wrote:They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.
Hello All and thaks again for your assistance. I really want to know the best route, recently I applied for the NFCU membership (3-5 dy wait) and thought I would go for a high CL and BT, but I am interested in applying for a best AMEX to start the process . . . comments. As I mentioned, my EX is very clean EQ and TU show the BK, which will delete 10.13.
Thanks for your comments,
-HotPoint
8.12.12 EX 761 - USAA
8.12.12 EQ 687 - FICO
8.13.12 TU 702 - FICO
@Creditaddict wrote:I would apply for Charge Card and if approved go back in and try for the revolver you want... 1 INQ - probably pretty good chance.
Also if you are at 30-40% and can't pay it off why not open new account and BT what you have now... not sure your limits but with no inq or new accounts in over 2 years, you are probably in a pretty good place to get a few new bigger cards and get that util overall down while you work on the individual util.
+1
they usually pull EX for charge cards, Not sure if they do double pulls if you ask for a revolver after you are approved. Best backdating play would be charge card now, then revolver in january, free 8 months of backdating goodness.
They pulled all three when I applied for the delta amex. However I had a BK reporting on all three when I applied (I hadn't found these forums yet, didn't realize I was just wasting my inquiries
Anyways, just wanted to throw it out there that AMEX could possibly pull EQ and TU- esp with questionable credit.
95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.
I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500.
I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG.
@CreditEd wrote:95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.
I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500.
I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG.
Thanks again for the insight - perhaps I should apply for the simply process since my EX is perfect . . .
HotPoint