It's not even funny. About every two months, DH & I get an offer from AmEx through our Starwood Preferred. Of course, we're never even "PRE-APPROVED!**" it's just a "you should apply!" sort of brochure thingy.
But it hurts my heart 
I want an AmEx They would decline us before I even finished typing my DOB.
I want an AmEx They would decline us before I even finished typing my DOB.I can't wait to get one of those offers in the mail and pass on it simply because I know we already have enough credit, not because I know we won't be approved..
@Anonymous wrote:
@Anonymous wrote:
My scores are ridiculous. 577-637. I am NOT going to be approved. That's what makes me so despondent!And, they're not even sending me the offers that say "based on information we've seen in your credit file, you may be approved for this offer". It's just a blanket request to apply. It's ok though. Gives me incentive to keep working.
If the EX is 637 it is possible...
Eh, I'd hold off until you're really happy with your scores and comfortable with your reports. AmEx is too dang twitchy about those at the lower end of the score range. You'll also get a much better deal with them as your scores and reports improve. Once that Navy card has been cooking away for 6 months, that might be the time to go after them!
In the meantime, you can make a mobile out of their mailings and hang it on the patio or something, and freak out your new neighbors. At least you're in the hunt! that's what matters.
