Hi just replied to a preapproved offer in the mail. I am in NY and they pulled Equifax to my surprise. FYI they have also pulled Experian and TU before previously with me so you never know with these guys. FICO score about 690- 30% util. . No inquiries and off ourse no baddies. Aprroved for $5K. I called to find out my credit limt, when she said $5k i stated that it was a little low. Ii told her I had a $9000 chase CL and sh said "Ok we will match it" Very happy. Just some info- do not waste inquiries with them if you have any derog info or if you have more than 3 inquiries in the past 6 months on your report. It does seem that BLUE CASH is a little more lenient. i was surprised by the high limit Dan
Congrats, of course. But again, I am not so sure about their conditions... I recently got my Amex Blue, 20k limit, with 4 inq in the last 6 months (they are actually a mistake by the providian 'AR' dept (pulled hard instead of soft 4 times in 30 days, blame it on an automated computer error) that are supposed to come off, (working on it) and 5.5 yr out of bk with a few 'blemishes' left here and there on my reports. They pulled Eqfx for me too (SouthEast US). I have an AMX Green and just recieved a Pre-Approval for Amx Gold in the mail (second notice on that one). I don't think it is safe to say that Amx is definate 'no' for derogs, inq's, etc.... Just an FYI, Shawn
Yes, I will add to Supershawns post as well in that nothing is definite with Amex. I had 5-6 inquiries in the past six months when I applied for blue in early October. Amex approved me for 7.9 fixed @ $9K CL, later upped the next day by new accounts to $15K. It totally depends on not only your total credit picture but history with Amex as well I think. (I have had Amex charge products since '95 and charged/paid back over $150K during that time).
