realmadrid7 wrote:Hello , this is my first post here so excuse the newbie mistakes . Iv been thinking about applying for an Amex card sometime next week . My credit report is really thin . 1 credit card with 7 months of good history , 3 inquiries ( 2 would be a year old in January ) , no lates , no collections , no loans and Experian Fico 750 . Should I do it now or wait ? What do you guys think ? I was gonna go for either the everyday or the blue cash . Thanks in advance .
Like prior posts, could be difficult to predict. If those 2 inquiries are Experian and they will fall off in January, why not wait for that to happen? AMEX can sometimes be inquiry sensitive. That said, they are also pumping out promos for their charge cards like crazy. My son, who has a very thin file, has been getting pre-approval mail for both the Green and Gold AMEX. The underwriting for all the charge cards are the same, so if you are looking for a way in, perhaps one of the charge cards would be a way to go. Also, as stated above, the underwriting for the Delta AMEX is reportedly the easiest to obtain. A 750 EX score, by all accounts, would be a very good score and, all things considered, give you a better shot at an AMEX.