When to app for AMEX

[wagsk1]

Love stinks

[taxi818]

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@BLAIX wrote:

So the deal is that I really want to get in the AMEX family by the end of the year (or the month) and step into the garden for awhile. I don't travel, so ideally I'd be looking for their Cash Back cards. My scores aren't abysmal but they aren't exactly stellar either. I want to apply for one of their revolvers, not a charge card, and I was thinking the AMEX Everyday would be a good place to start. I don't know if BCE or BCP would be better to try and app to, I don't really understand how some cards have a higher probabiity of acceptance than others through the same line. 

My util has been pretty high lately, but I've paid it all off and will come in showing ~1% or so this month and from here on out. I've had money in my bank, I was just creditstupid and thought reporting a decent balance showed creditors you used the lines you were given. Woe is me.

Could I app this month-Dec and be safe if i report this month with 1% util? Will they ignore my current util and rely only on my scores? I have 3 Inqs on my report, one from May 2013 and two from this month (opened two new CC). I really want to get into the AMEX family and garden for awhile while I get my score back to where it should be. What do?

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Well I was thinking exactly like you yesterday. Look at my score sin siggy. Wanted before end of year. I went to pre approval link yesterday and it. Old not find pre qualified. However it had SPg and plat   Charge cards. I don't want yet. As possibility. Also delta skymiles. Revolver. I said screw it. Pulled trigger. Even no pre qual. 60 secs. Approved. 3500. So your scores are good enough. Go for it unless util is high. I had 9 inquiries too on experian. Balance on 5 cards. But. Overall util. 15%. Good luck. 

[Anonymous]

I've heard that it blows also. Rumors but don't know if they're true. 

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@wagsk1 wrote:

Love stinks

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[chalupaman]

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@taxi818 wrote:

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@BLAIX wrote:

So the deal is that I really want to get in the AMEX family by the end of the year (or the month) and step into the garden for awhile. I don't travel, so ideally I'd be looking for their Cash Back cards. My scores aren't abysmal but they aren't exactly stellar either. I want to apply for one of their revolvers, not a charge card, and I was thinking the AMEX Everyday would be a good place to start. I don't know if BCE or BCP would be better to try and app to, I don't really understand how some cards have a higher probabiity of acceptance than others through the same line. 

My util has been pretty high lately, but I've paid it all off and will come in showing ~1% or so this month and from here on out. I've had money in my bank, I was just creditstupid and thought reporting a decent balance showed creditors you used the lines you were given. Woe is me.

Could I app this month-Dec and be safe if i report this month with 1% util? Will they ignore my current util and rely only on my scores? I have 3 Inqs on my report, one from May 2013 and two from this month (opened two new CC). I really want to get into the AMEX family and garden for awhile while I get my score back to where it should be. What do?

---

Well I was thinking exactly like you yesterday. Look at my score sin siggy. Wanted before end of year. I went to pre approval link yesterday and it. Old not find pre qualified. However it had SPg and plat   Charge cards. I don't want yet. As possibility. Also delta skymiles. Revolver. I said screw it. Pulled trigger. Even no pre qual. 60 secs. Approved. 3500. So your scores are good enough. Go for it unless util is high. I had 9 inquiries too on experian. Balance on 5 cards. But. Overall util. 15%. Good luck. 

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I was never "prequalified" for any my Amex cards but was able to successfully get them anyway. They've treated me so well.

[Anonymous]

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@Anonymous wrote:

I've heard that it blows also. Rumors but don't know if they're true. 

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@wagsk1 wrote:

Love stinks

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Nah, I heard it hurts.

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@chalupaman wrote:

I was never "prequalified" for any my Amex cards but was able to successfully get them anyway. They've treated me so well.

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Same here.

[Firehorse]

If you have never had an Amex, I would def do it in December. If approved, the next Amex card you get will be backdated to 2014.

[takeshi74]

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@BLAIX wrote:

I don't travel, so ideally I'd be looking for their Cash Back cards. My scores aren't abysmal but they aren't exactly stellar either. I want to apply for one of their revolvers, not a charge card, and I was thinking the AMEX Everyday would be a good place to start.

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If you don't travel then why are you looking at MR cards?  Best point value is generally attained by transferring to their travel partners.  If you want cash back then look at the Blue Cash family of cards.

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@BLAIX wrote:

Could I app this month-Dec and be safe if i report this month with 1% util? Will they ignore my current util and rely only on my scores?

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Utilization and your scores are not mutually exclusive.  Utilization falls under Amounts Owed below:

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

1% utilization will help but it's not a guarantee in and of itself.  Make sure the balances have reported before you apply.

[BLAIX]

Yes I am going to wait until my USAA reports this month and consider if I should apply then or wait until next month when my Cap1 (new) and Chase (new) start to report as well.

[BLAIX]

UPDATE: APPPROOOOOOVEEEEEEED

AHHHHHHHHHHHHHHHHH

I CAN'T CONTAIN MYSELF. I'M ALL SMILES AT WORK RIGHT NOW. OHMIGOSH. AMEX! AMEX! BCE! 2500 CL! I can't wait for 3mos luv. EEEEEEEEEEEEEEEEEEEEE

[sjt]

Congrats!

welcome to the Amex family!