Currently in the garden and in rebuilding mode.
My scores are starting to dip into the 660 range across the board. Back in April, I was approved for an Amex Green Card. I have been running my life through that thing and it has been a great charge card. Spending roughly $2-$3K a month on it and paying it off in full, as you have to with Amex chraged cards.
When I applied for the Green Card and was approved, I followed up with an application for an Amex Everyday Card that same day, because of the 2 apps, 1 HP situation. At the time my credit score was in the 630's across the board. I also then applied for an Amex Gold Delta card not long after that, just was feeling a little giddy because getting in with Amex was a huge credit goal of mine for the past two years of rebuilding all the way from the 400's from where I was at in early 2016 after a bad car loan, some chargeoffs, and some student loans that I had a ton of missed payments on that I'm now back on track with.
I got denied on both of them.
My question is....when do I re-apply for another Amex card? I would like a revolver with them also. I love the charge cards but I'm looking to extend my credit limits because the highest card limit I have right now is $500. And that's on 2 cards. Cap One Platinum & Credit One. Should I just wait, wait, wait or pull the trigger when I get up into the 670s?
I don't really plan on doing it anytime soon, but I don't know what the rule is when it comes to waiting to re apply for cards. Because I'm in with Amex it won't be a HP.
Any advice would be great 
@CreditRebuilder2020 wrote:Currently in the garden and in rebuilding mode.
My scores are starting to dip into the 660 range across the board. Back in April, I was approved for an Amex Green Card. I have been running my life through that thing and it has been a great charge card. Spending roughly $2-$3K a month on it and paying it off in full, as you have to with Amex chraged cards.
When I applied for the Green Card and was approved, I followed up with an application for an Amex Everyday Card that same day, because of the 2 apps, 1 HP situation. At the time my credit score was in the 630's across the board. I also then applied for an Amex Gold Delta card not long after that, just was feeling a little giddy because getting in with Amex was a huge credit goal of mine for the past two years of rebuilding all the way from the 400's from where I was at in early 2016 after a bad car loan, some chargeoffs, and some student loans that I had a ton of missed payments on that I'm now back on track with.
I got denied on both of them.
My question is....when do I re-apply for another Amex card? I would like a revolver with them also. I love the charge cards but I'm looking to extend my credit limits because the highest card limit I have right now is $500. And that's on 2 cards. Cap One Platinum & Credit One. Should I just wait, wait, wait or pull the trigger when I get up into the 670s?
I don't really plan on doing it anytime soon, but I don't know what the rule is when it comes to waiting to re apply for cards. Because I'm in with Amex it won't be a HP.
Any advice would be great
Fortunately, Amex makes it easy for you. If you log in to your online account and click on Menu > Cards > View All Credit Cards you should be able to see all the cards Amex offers (you should see 18 cards but Amex has a dynamic website which sometimes hides cards you are not qualified for).
Select each card, and click on the Apply Now button. If you see a statement saying "CreditRebuilder2020, You are pre-approved! Get a decision in as little as 30 seconds" you should be able to get the card with just a soft pull by just filling in the information requested. If the statement says "Expanding your membership with us is easy" then obviously you are NOT pre-approved, so just hit your browser's back button and check the next card.
That said, your current scores are borderline and even if Amex takes a chance and approves you for a credit card you'll most likely be stuck with a $500 or $1000 limit. On these boards this is referred to as "credit steps" which is a reference to Capital One's program of the same name. Gardening until your Experian FICO 8 score is at least 670 will improve your odds of getting a decent starting limit.
For other lenders you should first check their pre-approval pages before applying. You can find a list of such pages by clicking this link.