When to pull the Amex trigger?

[Anonymous]

I'm pretty satisfied with my current wallet, but my goal card is an Amex.

I have only one baddie that deletes in September (Credit One CO).

AAoA is 13 months due to opening too many store cards in February.

No late pays or over limits.

Util is right at 30% and sinking by about 2% each month, but I have the means to lower it significantly more if needed. 

I've made too many mistakes by lurking here and not asking enough questions, so I'm wondering if anyone has any thoughts on strategy re: when to app, what card(looking at everyday card) and any data points that might be helpful. I don't plan to app until the derog falls off, but I'm trying to prepare.

[myjourney]

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@Anonymous wrote:

I'm pretty satisfied with my current wallet, but my goal card is an Amex.

I have only one baddie that deletes in September (Credit One CO).

AAoA is 13 months due to opening too many store cards in February.

No late pays or over limits.

Util is right at 30% and sinking by about 2% each month, but I have the means to lower it significantly more if needed. 

I've made too many mistakes by lurking here and not asking enough questions, so I'm wondering if anyone has any thoughts on strategy re: when to app, what card(looking at everyday card) and any data points that might be helpful. I don't plan to app until the derog falls off, but I'm trying to prepare.

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Welcome to the forum 

Which everyday card BCE or the newer version?

Score Fico only? 

How many store cards and when did you open them? 

How many current TL's?

Question I'm not asking newbies Lol 

Why do you wnat the card and how will it benefit you?

[Anonymous]

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@myjourney wrote:

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@Anonymous wrote:

I'm pretty satisfied with my current wallet, but my goal card is an Amex.

I have only one baddie that deletes in September (Credit One CO).

AAoA is 13 months due to opening too many store cards in February.

No late pays or over limits.

Util is right at 30% and sinking by about 2% each month, but I have the means to lower it significantly more if needed. 

I've made too many mistakes by lurking here and not asking enough questions, so I'm wondering if anyone has any thoughts on strategy re: when to app, what card(looking at everyday card) and any data points that might be helpful. I don't plan to app until the derog falls off, but I'm trying to prepare.

---

Welcome to the forum 

Which everyday card BCE or the newer version?

Score Fico only? 

How many store cards and when did you open them? 

How many current TL's?

Question I'm not asking newbies Lol 

Why do you wnat the card and how will it benefit you?

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Which everyday card BCE or the newer version? I was looking the new silvery one.

Score Fico only? Current Fico 8 from myfico monitoring are EX 648 TU 671 EQ 653 (EX & EQ haven't quite caught up in reporting as much data as my TU)

How many store cards and when did you open them? 6 store cards...5 in February and one in March

How many current TL's? 5 major CCs totalling 6550 and 6 store cards totalling 6550

Question I'm not asking newbies Lol 

Why do you wnat the card and how will it benefit you? The member rewards are suited my interests and those apple rewards would appear to rack up quicker than my Barclay Apple card.

Thank you in advance for any help.

[myjourney]

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@Anonymous wrote:

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@myjourney wrote:

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@Anonymous wrote:

I'm pretty satisfied with my current wallet, but my goal card is an Amex.

I have only one baddie that deletes in September (Credit One CO).

AAoA is 13 months due to opening too many store cards in February.

No late pays or over limits.

Util is right at 30% and sinking by about 2% each month, but I have the means to lower it significantly more if needed. 

I've made too many mistakes by lurking here and not asking enough questions, so I'm wondering if anyone has any thoughts on strategy re: when to app, what card(looking at everyday card) and any data points that might be helpful. I don't plan to app until the derog falls off, but I'm trying to prepare.

---

Welcome to the forum 

Which everyday card BCE or the newer version?

Score Fico only? 

How many store cards and when did you open them? 

How many current TL's?

Question I'm not asking newbies Lol 

Why do you wnat the card and how will it benefit you?

---

Which everyday card BCE or the newer version? I was looking the new silvery one. Got it ...good card 

Score Fico only? Current Fico 8 from myfico monitoring are EX 648 TU 671 EQ 653 (EX & EQ haven't quite caught up in reporting as much data as my TU) Amex will pull EX so that's the important score to follow 

How many store cards and when did you open them? 6 store cards...5 in February and one in March Live and learn and you expressed your regrets ...

How many current TL's? 5 major CCs totalling 6550 and 6 store cards totalling 6550

Question I'm noW asking newbies Lol 

Why do you wnat the card and how will it benefit you? The member rewards are suited my interests and those apple rewards would appear to rack up quicker than my Barclay Apple card. Congrats you've passed MJ's newbie test and have a reason and use for the card 

Thank you in advance for any help.

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Stick with your plan and I think you'll be fine but don't app until scores are in the 660 range for best results 

Good luck 

[Anonymous]

Thank you so much for the information. It was so nice to have some sort of idea as to scores. I've looked up the pulls but they seem to be all over the place. 

[myjourney]

99% of the time Amex will get EX and you're very welcome 

Glad to help

[RonM21]

This question interests me too because I'm stumped at the approvals I see on here. For example I saw earlier someone got prequals for multiple cards from them with scores in the low 600's with multiple baddies and collections. They got an ED card. Then I see others in the mid to high 600's or higher and can't get one from them. I have a high 600's score and don't get any prequals with only one baddie late 1 month payment from a paid car loan in 2010. I can't figure them out lol!

[krisssmmm]

Are you prequalified? If so, I would try. I just got a ed with a low 600 score and a few baddies remaining. I was terrified this was a joke, but I showed up on their prequal as well as ck and cardmatch (I know not reliable).

[sjt]

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@Anonymous wrote:

I'm pretty satisfied with my current wallet, but my goal card is an Amex.

I have only one baddie that deletes in September (Credit One CO).

AAoA is 13 months due to opening too many store cards in February.

No late pays or over limits.

Util is right at 30% and sinking by about 2% each month, but I have the means to lower it significantly more if needed. 

I've made too many mistakes by lurking here and not asking enough questions, so I'm wondering if anyone has any thoughts on strategy re: when to app, what card(looking at everyday card) and any data points that might be helpful. I don't plan to app until the derog falls off, but I'm trying to prepare.

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Check out their Pre Qual site and see if there is any offers.

[Creditplz]

Scores a little on the low side, as stated above try pre-qualified offers.