AMEX giving out accurate EX FICO with denial letters - CreditBoards
Well I applied with AMEX yesterday and was approved for the Gold Rewards Business card. While speaking with a representative, she stated that if you do not have a fico over 690 and at least two lines of excellent revolving credit (min. 2 yrs), then do not apply for the Blue Cash because it is a very, very difficult card to get. Also, she stated that its easier to go for the Zync or the Green AMEX (these are not credit cards, but charge accounts) and then move your way into the Blue Cash after 13 months.
I have applied for it twice in recent years, to no avail, and looking back now I'm not surprised because my credit was worse than I thought it was. All the baddies have dropped off my Experian and I'm sitting at a 750 score right now so I was gonna pull the trigger in the next month or two but after seeing this I'll have to wait a year; My only two open cards were opened Oct 09 and May 10. It'll be worth the wait though, plus when I get it AMEX will backdate it to when I opened up my Blue for Students back in 02.