cancel
Showing results for 
Search instead for 
Did you mean: 

not being able to app for AMEX is killing me!

tag
peepers
Frequent Contributor

not being able to app for AMEX is killing me!

My TU and EQ are all squeaky clean.......its EX that are slow pokes with OLD items falling off and the last one wont fall until August. Plus I have to close my recovery Optima first. I think because of this, it makes me want it MORE
AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

Message 1 of 10
9 REPLIES 9
BootStraps
Established Contributor

Re: not being able to app for AMEX is killing me!

Have you called Ex and requested early deletion?

 

For August they probably won't do it until May, but it doesn't hurt to try.




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 2 of 10
peepers
Frequent Contributor

Re: not being able to app for AMEX is killing me!

I have one set to fall off next month and they still said no! and I called back and tried 3 different reps. After 3 strikes, I stopped
AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

Message 3 of 10
BootStraps
Established Contributor

Re: not being able to app for AMEX is killing me!


@peepers wrote:
I have one set to fall off next month and they still said no! and I called back and tried 3 different reps. After 3 strikes, I stopped

And if that works for you, great. Let's face it, hearing NO sucks.

 

That said, it takes only one YES even if you get 20 people saying no before. You can think of it as "each NO gets me closer to the YES."

 

 

Do what works for you. Smiley Happy




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 4 of 10
Involver
Valued Contributor

Re: not being able to app for AMEX is killing me!

Yeah if you have an account scheduled to drop off next month there should be no problem with finding someone to do it.  

Message 5 of 10
peepers
Frequent Contributor

Re: not being able to app for AMEX is killing me!

well that will be my new focus then! I will try daily Smiley Happy In the interim, I scratched another itch, and applied for a Discover IT and was approved. The only last card I want is AMEX and when I can get it, it will be backdated to 1999. Then Im DONE until mortgage time in 2015
AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

Message 6 of 10
maiden_girl
Valued Contributor

Re: not being able to app for AMEX is killing me!

LOL. Amex will still be there when you get ready. FYI...

 

I was preapproved for the AMEX Green and AMEX Gold less than a year ago...not interested in applying for a "charge card" but rather have a revolver...I stupidly applied for AMEX Clear and AMEX BCE...DENIED! Then they pulled the preapprovals for GREEN AND GOLD...lol

As of 2017, rebuilding...
Message 7 of 10
BootStraps
Established Contributor

Re: not being able to app for AMEX is killing me!

I read on another thread that someone had success calling about an hour before quitting time.

 

Just an FYI...

 

Hope this helps.




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 8 of 10
peepers
Frequent Contributor

Re: not being able to app for AMEX is killing me!

Well I was told over and again no. My annual report last year said my foreclosure was estimated to be removed march 14 but the csrs kept telling me they couldnt remove until July. My other last baddies (both paid and closed) not til june and August. So I triedan online "obsolete" request. Woke up today to notification that the fforeclosure acct was deleted, and they removed the June one I didnt even dispute!

 

I called Amex and the caveat is that that Oasis card has to be open for at least 12 months to comply with the program rules.  Im sure another annual fee too :/   so looks like August I can safely close and reapply.

 

If I apply in august my EX will have 1 baddie set to fall off, its a paid charge off from 2007. Does amex frown on that? Or should I just wait until Sept?

AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

Message 9 of 10
BigBS
Senior Contributor

Re: not being able to app for AMEX is killing me!

Congrats on the cleanup of your CR!  My guess you will be okay wth that single baddie falling off in Aug.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.