Safe to apply for AMEX?

Desmoire · ‎02-18-2016

AMEX has always been an unobtainable goal in my credit world. Over the past few years I have submitted an app about once a year as my credit improved, however they were never nice to me. Right now my credit score is higher than ever and I would really like to give it another shot. Please let me know what you guys think. Unfortunately I only have access to my TU score through Crap1 but I have 0 baddies on my reports so I'm sure they are close to this.

TU: 759

Oldest Credit Line: 8yrs

Credit Utilization: 21%

Total Accounts: 20

Inquires: 6 (Just got a mortgage in Oct, they pulled twice)

Available Credit: $30,036.00

Total Income: $45,000

Thanks guys!

myjourney · ‎02-18-2016

Best thing to start with would be to spend the money and pull scores.

Amex will pull EX and possibly EQ as well

What cards do you have now the limits and how long you've had?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

CreditCuriosity · ‎02-18-2016

Pull your Experian Fico and just pay 20$ from this site and it will give us alot better idea of your chances.. Although if you have no baddies and what you mention on your OP you most likely would be approved, but nothing is guranteed in the credit world.

willwar14 · ‎02-18-2016

Assuming youe Experian Fico is 730+ also I would suspect you won't have a problem getting one.

CH7 FILED: 08/18/2022, DC: 01/23/2023

Closingracer99 · ‎02-18-2016

What is your EX score? that is the one that will matter because they will always pull that up and perhaps a double pull with TU or EQ as well

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Closingracer99 · ‎02-18-2016

@myjourney wrote:
Best thing to start with would be to spend the money and pull scores.
Amex will pull EX and possibly EQ as well
What cards do you have now the limits and how long you've had?

I had a Amex TU pull as well but it has since fallen off. I believe it was for my BCE app

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

myjourney · ‎02-18-2016

@Closingracer99 wrote:
@myjourney wrote:
Best thing to start with would be to spend the money and pull scores.
Amex will pull EX and possibly EQ as well
What cards do you have now the limits and how long you've had?
I had a Amex TU pull as well but it has since fallen off. I believe it was for my BCE app

Thanks Closing99

Even more reason to pull all 3 and not count on a Cap1 FAKO score which we all know can be +/- 50-100 points difference

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎02-18-2016

Just got Amex prg and EDP. They pulled only Experian. Go to CCT and pay 1 dollar for 7days trial. Get all three reports and scores.

BallBounces · ‎02-18-2016

Bear in mind I was approved for 2 Amex cards with scores roughly 670.

The lesson: nobody can guarantee approval for you based on score, but if you can use the card, and your profile supports it generally, then it is reasonable to apply.

050719:

021924:

FICO 08 scores listed and are stagnated until multiple derogatory items expire over the next two years.

Anonymous · ‎02-18-2016

What was the reason for being denied with your past applications? Have you addressed those issues? Your scores if accurate look good...but scores aren't everything. Good luck.