MemberSince99 wrote:Just an FYI but whatever score you got isn't a FICO. You say you have 766 but didn't say where it's from, but then say you have only 3 months history. FICOs require 6 months to generate a score so that isn't a FICO and thus your "real" score could be very different. Example my FAKOs are usually about 70 points off (lower in my case) from my FICOs. So I would not put a whole lot of stock in that 766 score but who knows.
And by the way Chase requires at LEAST 6 months reporting with revolving history for a card like Freedom and they like to see a year or two for a Sapphire, is what one of their analysts told me on the phone. I know it's always YMMV and you will get people piping up how they got in anyway and I'm sure it's true but as a rule there is what you looking at. I would guess you probably won't get it but you may have to recon numerous times if you really want it and just hope to hit the right analyst.
With your limited history I think applying for an Amex is a bad idea RIGHT NOW. They also like (prefer not a rule chiseled in stone with a jewel encrusted mallet) to see 6 months as well. Once you have six months reporting, I think it's a GREAT idea to go for an Amex charge and get your Member Since date set for life. But right now, I would not recommend you do it.
Thanks! That helps a lot with my understanding of how all of this works.
I was approved for an AMEX BCE on Monday with a 1k limit.
I'm not going to apply for any more for a while I don't think.
Thanks everyone for your help!