So yes I love the board especially since there is a dedicated AMEX Section, I’ve been lurking for a few days so now its time to jump in.
So for my 1st post lets reach for the stars
Yes I want AMEX Platinum and I’m seeking advice.
I had an AMEX Green and Optima that was IIB in 92 or 93. I have heard stories about people getting back in AMEXs good gracious and I’m seeing if it’s possible for me.
I paid the outstanding AMEX Optima last week and plan to pay the Green in a week or 2. I know some people will say never do this but I did.
Currently on my reports I’ve been clean for 3+ years, I have a GMAC Baddie from 5 years ago that has a CO, I have negotiated to get this resolved with a lawyer so the CO will be erased soon, this TL will show some late pays +5 years ago and should fall off in 7yrs. The other baddie is a Paid CA Tax Lien (trying to get that off as well).
So fast forward to today, my last PSECU score is 652, that’s with a ridiculously high util, 55% - 60% that Util will be under 7% in November’s reporting. So I hope that will give me a nice Fico bump.
So when the GMAC thing is resolved I want to Apply for an AMEX, I make enough $ to qualify for a Platinum but will the limited & prior history with AMEX and the infamous black list will this be a denial?
If I apply for an AMEX Platinum and denied and if there’s a card you will qualify for will you get that or is it a one shot app?
Should I apply for a Zync, as I’m reading that’s an easier approval?
If I do apply and get approved for a Zync how soon can I climb up to gold or platinum?
Lastly I about the infamous black list, before I found boards to help me repair my credit I did apply for a Amex, there was a EX hit, im told if your on the black list that there will be no hit. Don’t know if that’s true or not…
I know im wordy…. Thanks in advance !!!