- Gold Member
- Posts: 34
- Joined: Thu Jul 26, 2012 7:57 pm
- Location: placetown
I want to add an Amex Charge Card to my wallet/portfolio (Gold Card, but open to suggestions). From what I have read, it looks good on your credit report (it would diversify credit portfolio). Also, I like the idea that I would be able to charge (almost) any amount in the event of an emergency...
Here's my recent history:
-9/4/12: Denied for Citi Forward Card. Hard inquiry on EX. Disputed a collection on my report and won. EX Score went from 631 to 679. Sent in updated report to Citi for reconsideration. Still denied.
-Disputed additional incorrect information on my report (and won, again!). EX Score went from 679 to 731! Sent in updated report to Citi for reconsideration and they did another Hard Inquiry (10/7/12). Denied again.
-1 recent "baddie." A public record (It was a late State Tax Payment) now listed as "Judgement Satisfied." Filed 2/12 and Resolved 4/12 (was for less than $400). (only appears on EX report).
-10/10/12: Applied/Approved for a Discover More card. (Did some research and turns out they pull EQ/TU 99% of the time. They pulled EQ - I live in NJ).
I now have 2 hard inquiries from Citi (september/october), and 1 hard inquiry (and new account) on EQ from Discover. From my research, it looks like Amex pulls from EX (again, I live in NJ). My Up-to-date Credit Card Balances/Fico Scores in my signature below.
So, knowing this information/recent history, what are the odds I will be approved for the Amex Gold card if I apply now? How about any other Amex card? If not, how long should I wait before applying?
Thanks for any/all advice!
Credit Union Visa: $5000 (4/11)
Discover IT $1750 (10/12)
Chase Freedom $1500 (3/13)
BofA Credit Card: $18.7k (1/02) (Authorized User)
Secured CapOne Visa: $300 (5/12)
Banana Republic Store: $1200 (5/11)
Express Next A-List: $1340 (6/11)
FICOS (as of 3/15/12):