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Understanding Amex pattern...

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BootStraps
Established Contributor

Understanding Amex pattern...

Hi Folks...

 

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

 

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

 

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)




Starting Score: All Under 590 (8/2011)
Current Score: Ex: 676 Eq: 681 Tu: 683
Goal Score: Ex: 725 Eq: 725 Tu: 725

Take the myFICO Fitness Challenge
Back in the Garden 4/22/16 Smiley Happy
Message 1 of 5
4 REPLIES 4
Creditaddict
Legendary Contributor

Re: Understanding Amex pattern...


@BootStraps wrote:

Hi Folks...

 

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

 

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

 

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)


believe denial is a block for 30 days.

Message 2 of 5
SunriseEarth
Moderator Emeritus

Re: Understanding Amex pattern...

I don't know the answer to your question, but, given the score difference between EX and your other scores, I'm wondering what's on your EX CR.   I'd recommend working on that and then going for the revolver you want.  You mention an expected score bump, so I was curious. 



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Message 3 of 5
Pat94108
Frequent Contributor

Re: Understanding Amex pattern...


@BootStraps wrote:

Hi Folks...

 

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

 

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

 

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)


It's actually a SP it it's denied but will be a HP if it's approved. 

Message 4 of 5
BootStraps
Established Contributor

Re: Understanding Amex pattern...


@SunriseEarth wrote:

I don't know the answer to your question, but, given the score difference between EX and your other scores, I'm wondering what's on your EX CR.   I'd recommend working on that and then going for the revolver you want.  You mention an expected score bump, so I was curious. 


A paid collection that is due to fall off this summer and a settled charge-off from 08 that EX refuses to drop. Smiley Mad

 

My mortgage is going from a negative to a positive status as of April, so I'm hoping for enough of a score bump to get an Amex revolver. It won't kill me not to get it, of course... I just want to take further advantage of the backdating.




Starting Score: All Under 590 (8/2011)
Current Score: Ex: 676 Eq: 681 Tu: 683
Goal Score: Ex: 725 Eq: 725 Tu: 725

Take the myFICO Fitness Challenge
Back in the Garden 4/22/16 Smiley Happy
Message 5 of 5
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