How Long Should I Wait?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
12 posts
dfm990
Platinum Member
Platinum Member
 
Posts: 66
Joined: Sat Apr 02, 2011 2:28 pm
Location: Miami

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?
Amex Gold NPSL (35000 Approved)(11/13)
Discover It $22500 (12/13)
Bank of America Cash Rewards $7000 (3/13)
Amex BCP $6000 (12/14)
Walmart Store Card $3050 (2/10)
Capital One Platinum $2000 (3/11)
Chase Slate $1000 (1/16)


MemberSince99
Centurion Member
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

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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