How Long Should I Wait?

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Postby dfm990 » Wed Nov 27, 2013 2:54 pm

well what i meant in reality was how much history should i gain with AmEx before applying for a credit card, considering i dont have the most blemish-free history out there. 4 months? 6 months? A year?
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Postby MemberSince99 » Wed Nov 27, 2013 4:42 pm

It's impossible for anyone to even guess at that. I would have guessed the derogs would have gotten you a decline in the first place. But it's seriously always YMMV.

Look at it this way - you can apply anytime you like and if declined it's only a soft pull.

I would wait until January 2014 (you can app on New Years Day) for max backdating purposes.
That should tell you where you stand. Make sure your utilization is low and all that other good stuff by then.

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