Have only 1 card for 8 months, will I qualify for an Amex?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Joined: Tue Nov 27, 2012 8:43 am
Website: http://irvinfitness.com
Location: Lafayette/IN

Postby irvinfitness » Tue Dec 18, 2012 2:50 pm

jdauria wrote:Yeah i got that now. Just BS they keep mailing you the "pre-approved" applications for different cards. I plan on keeping the utilization to around 10% actually on the Citi card.

yeah, it's a bit mis-leading. they aren't actually pre-approval letters, but instead you are being invited to apply....It would certainly be awesome if companies really did pre-approve based on soft pulls and when you accepted they could still do the hard pull to determine the limit. That way you know you aren't wasting a hard inquiry just to find out you aren't actually approved for any limit.

Fortunately, this hasn't happened to me, but I'm sure my day will come soon enough...haha

I'd suggest doing what you plan and keeping utilization at 10% for about 6 months and then try again depending on how many inquiries you will still have at that time. Good luck! I'm still waiting to get in with AMEX as well.
[size=60]Chase Freedom Signature - 10k (rotating 5%)
Citi Platinum Select - 8.1k (rotating 5%)
Discover It - 12k (rotating 5%)
AMEX BCE - 20k (Groceries 3% / Gas 2% )
Regions Signature Visa - 5k
US Bank Cash+ - 5.5k (Restaurants/Fast Food 5% / Drug Stores 2%)
Navy Federal cashRewards Visa Signature - 20k (Business Purchases)
Care Credit - 6k (Vet Bills/Dentist - 0% APR)
Chase IHG Rewards (Priority Club) - 18k (Annual Night Certificate, Platinum Elite Status)

Not used except for occasional purchase with promo:
Jared - 7.5k [/size]

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