- Centurion Member
- Posts: 4059
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
jpitsy088 wrote:am a cardholder of premier rewards gold card for about a year 640 exp. score I received an email from amex for everyday card to apply clicked on apply just need to log in. Does Amex approve that low score for a cc? Have had perfect payment with them.
If you have another cycle or two until you have to pay the PRG annual fee, I'd wait to apply until your score is a little higher. Maybe get your utilization down or do something else that can give a quick FICO boost?
If you don't have the time or ability to get your FICO higher before applying, then you might as well go for it now.
What are the factors hurting your credit? Some baddies in the past? If you have a 640 now and got a PRG a year ago and have a perfect payment history on it...maybe there's some issue with baddies? I'd expect your FICO to be higher.
(Edited after rereading earlier posts.)
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech