Trying for my second Amex.

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5 posts
whitneyb
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Joined: Tue Dec 20, 2011 2:53 pm
Location: texas

Trying for my second Amex.

Postby whitneyb » Tue Jul 09, 2013 5:31 pm

A few silly questions here.

I have an Amex Gold that I make most of my every day purchases on. Perfect payment history for almost 2 years now. I have pre-approved offers for the premium rewards Gold & Platinum in my box currently.

But for now I would like to open up a non-charge card Amex. I'm looking at preferably the BCE. I think it would be a good option given I only have one Capital One that I can currently carry a balance on, and even then it's only a $2k limit which is quite frankly really low. I opened that card back in college and it started out at a $500 limit. Needless to say my income and spending have changed very much since then. Not looking to carry a balance when interest can hit the card, but I would like the option for emergencies.

I also wanted to take advantage of the $100 cash back offer and 0% APR for a few months since I am about to do some charging for vacation. In addition to the 3X CLI after a few months and the backdate to Dec 2011, I think it will be a good boost to not only utilization but my account history.

I guess I am just a little worried that I wouldn't be approved. The last I knew, I had a 670 EX but that was last December. 24 years old, around ~3.5 years of average account age. $55k income for my new position.

Do I have a chance? Or should I be looking at another card (ie: Discover IT, Chase Freedom?).

Also another random question: would I be okay putting my new income on the application? I start my new job in 2 weeks.

Thanks!


MemberSince99
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Postby MemberSince99 » Tue Jul 09, 2013 7:35 pm

Your history with Amex after 2 years should outweigh the score, which is likely a FAKO and could be higher anyway. Your income should be fine I am not seeing any real issues.

The best part is, if they decline, it's only a soft pull. And it's worth taking a hard pull for as it will backdate.

So I say go for it you have little to lose.

As far as your income put whatever your income is now on your application. You aren't lying - people's income does change with time. You'd be lying NOT to list your current income. I don't think that you have anything to worry about there, except if you were to get FR and they don't take that into account, but really, I would not sweat this much if at all.

I think you are good. I say go for it and let us know how it turns out for you, best of luck!

whitneyb
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Posts: 6
Joined: Tue Dec 20, 2011 2:53 pm
Location: texas

Postby whitneyb » Tue Jul 09, 2013 10:28 pm

Thanks!

Applied tonight and got a 4.4k limit. That will be nice here in a few months when I get the 3x CLI hopefully.

MemberSince99
Centurion Member
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jul 10, 2013 6:30 am

Congratulations! You will enjoy the backdating as much as you enjoy the new card I'm sure! Your score will thank you for it.

ksy
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Postby ksy » Wed Jul 10, 2013 8:34 pm

Congratulations! How many inquiries do you have on you report?



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