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According to them, all Optima applications are approved by default barring an applicants bankruptcy level financial standing. I paid off both of my deliquent accounts and applied before my reports updated and was approved. 4 days later I got a HP by Amex and checked the application status site and saw I was approved on 11/8. 6 days later my card arrived.
I havent updated my score but before the pay off I was at 598 - 612(vantage) across my 3 reports. The amex and discover baddies updated and my vantage scores are now up to 665 TU, 660 EX and still waiting for my EQ to update. I did the Credit Journey simulator on Chase and after my new amex posts then I expect it to increase another 40 points.
My vote is you go for the Optima Card. There is no guarantee that you would get a regular Amex Card regardless if your reports are updated.
That’s so awesome! So to be clear, you wrote that you received your Optima application via email? Did I understand you correctly? I just paid off my CO with Amex last week, on 11/20/19, and I’ve been on the lookout for the Optima application (as promised by Amex) in the USPS mail.