- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
Did you get your FICO score or FAKO Score? Get the equifax FICO score from equifax. Here is your problem. Your score is high from all your AU credit lines. Many lenders will discount or ignore those AU lines, but FICO scoring will take them into account unless FICO 08 scoring model is used and it is determined that you are piggybacking. Trust me, if credit was as easy as just being added as AU to bunch of good cards, everyone would have good score. It doesn't mean you have bad credit, just that whatever score you have should be discounted in your mind as lenders will discount them in one way or another.
Back on topic however. Given the information you have given, you are shoe in, IMO, for any AMEX charge card (green/gold/plat/etc.). However AMEX BCE/BCP card (the cash back cards) are tuff AMEX revolvers to get. You might get rejected for limited revolving credit lines (even though you have lots of AU credit lines, but only one of your own). However you might not. So you need to figure into your equation, that you can probably get AMEX charge card of your choice, but higher probability of rejection for AMEX BCE/BCP.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k