When to app for Amex BCP?

[Anonymous]

I have a Amex green coming up on Month 3. Should I wait 6 months to app via online account in order to increase my chances?

Also, do they look for anything specific? Low utilization? Less Inquiries? 

Will some baddies from 6+ years ago haunt me? They are set to fall off 6 and 7/2014 and a collections set to fall of 5/2007

Any replies appreciated thanks!

I apologize if there is already a thread for this.

[myjourney]

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@Anonymous wrote:

I have a Amex green coming up on Month 3. Should I wait 6 months to app via online account in order to increase my chances?

Also, do they look for anything specific? Low utilization? Less Inquiries? 

Will some baddies from 6+ years ago haunt me? They are set to fall off 6 and 7/2014 and a collections set to fall of 5/2007

Any replies appreciated thanks!

I apologize if there is already a thread for this.

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You can apply when your ready 

Amex policy 

SP if denied 

HP if approved 

So really its all up to you when you think your chances are strongest for approval

More info needed tho

Scores 

Total INQ in last 12 months 

AAoA

[09Lexie]

Have you checked if you have a match on creditcards.com using their cardmatch?

[wHiTeSoL]

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@Anonymous wrote:

I have a Amex green coming up on Month 3. Should I wait 6 months to app via online account in order to increase my chances?

Also, do they look for anything specific? Low utilization? Less Inquiries? 

Will some baddies from 6+ years ago haunt me? They are set to fall off 6 and 7/2014 and a collections set to fall of 5/2007

Any replies appreciated thanks!

I apologize if there is already a thread for this.

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Wait until the 6 months have passed, on the plus side that will be right around January and the best month to app for an AMEX is january!

[Creditaddict]

Now!

[lg8302ch]

Would do it in JAN for max. backdating

[bichonmom]

You've nothing to lose since it's only a HP if you're approved. But as others have said the benefit of waiting until Jan is you'll gain 11 months of backdating, so it wil be dated 1/13, instead of 11/13 as opening date. Not huge, but it is something. Don't know if the additional 3 mos makes a difference for approval w/them. I got Zync and Costco on the same day. It really comes down to your credit. Amex likes low util and very few inq.

[takeshi74]

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@Anonymous wrote:

I have a Amex green coming up on Month 3. Should I wait 6 months to app via online account in order to increase my chances?

Impossible to say. 3 months may not be enough time for one person and it may not matter for the next. Credit varies by person.  Both of my AmEx cards were approved within 3 months of each other but that doesn't necessarily mean anything with regard to you unless your credit happens to be similar to mine.

What we can tell you has been mentioned above: HP if approved, SP if denied, maximum backdating if you apply in January.

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@Anonymous wrote:

Also, do they look for anything specific? Low utilization? Less Inquiries? 

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Like all other creditors they look at everything. Low utilization, less inquiries, etc always help.

[Anonymous]

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@myjourney wrote:

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@Anonymous wrote:

I have a Amex green coming up on Month 3. Should I wait 6 months to app via online account in order to increase my chances?

Also, do they look for anything specific? Low utilization? Less Inquiries? 

Will some baddies from 6+ years ago haunt me? They are set to fall off 6 and 7/2014 and a collections set to fall of 5/2007

Any replies appreciated thanks!

I apologize if there is already a thread for this.

---

You can apply when your ready 

Amex policy 

SP if denied 

HP if approved 

So really its all up to you when you think your chances are strongest for approval

More info needed tho

Scores 

Total INQ in last 12 months 

AAoA

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scores I havent pulled but range from 650-700. 660 EQ from Cap1 last I checked. That has 6 INQ's. AAoA definitely under one year. my Cap1 is 2.5, Chase Amazon 1.25, the rest 3-4 months old.

[Anonymous]

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@09Lexie wrote:
Have you checked if you have a match on creditcards.com using their cardmatch?

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Just did this. Ranges from First Premier to Capital One Venture..and only those 2 landers show up.