- Centurion Member
- Posts: 4150
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
mikegyver wrote:From my experience Amex can often be the hardest issuer to get cc from. Although the good news is they seem pretty good with giving chances. I would let things age a little bit. I've seen people with similar reasons for the decline and then get approved for Amex 3 or 4 months later so its possible. Make sure there aren't any in-accurate items on your reports also.
Are the MR-based ED cards harder to get than the Blue Cash series?
You can go the charge card route to build a history with Amex, but I'm not sure a 645 would get you one.
I don't know how much another 3 or 4 months of history will help when there are derogatory marks (assuming they don't get removed one way or another). A FICO can't rebound that quickly.
It should help a little to have the CSP reporting to boost the number of accounts paid as agreed.
My EX FICO at the time I got my BCE was 721 and I got the absolute highest APR the card comes with. Unless you can get your FICO up a lot, one way or another, I don't know how smart it would be to go after an Amex ED card in the near future.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival and Brooks Bros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH