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Discussion in 'Credit Talk' started by the other, Nov 13, 2000.
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Not too diffcult. No charge-offs or late payments, no BKs, open trade lines for at least 1 year with good payment history, minimum income of $20,000. Good Luck!
I have a good history. Here is my low down:
No derogs. of any sort.
Too many inquiries (obtaining mortgage between end of July and beginning of September, but I really had too many before that)
I am a new homeowner
Total cc debt is about 55,000, with total limits around 90,000. (But this is spread over 9 cards)
I also have student loan debt for a total of about 40,000 (all deferred right now).
Household income of approx. 125,000.
I applied, but it said it would need further processing.
I hope I get it. I have some major purchases I need to make, and would like to get the skymiles for the purchases. I know the interest rate is high, but I have the money to pay for the purchases without this card (I just want the skymiles!) I would also like to close a couple of my accounts with lower limits.
Just so you know, AMEX is very strict regarding recent credit inquiries and accounts with balances.
I believe more than 3 inquiries (probably more like 2) and 40% or more owed on revolving accounts, and AMEX may decline.
Will the decline be independent of even a qualifying FICO? I don't know. Maybe Jason could comment on that...
What I mean is: just suppose you need a 700 credit score to be approved for the card. As long as you make 20K a year, and probably have lived and worked at the same place for a couple of years, you'll get approved.
But maybe AMEX will see that even though the score was 700, etc. you had 10 inquiries in the past 6 months and owe 57% of your total revolving limits. They may think the latter factors are enough to decline, even with a qualifying FICO.
I already have the Amex Blue.
i wonder if it will make a difference that I already have one of their cards?