I can't even believe what I'm typing but I'm still in shock. So my CK approval odds were 'Very Good'. But I still hesitated because I did not want to risk an inquiry as I plan to buy a car in the next few months. But the 'Very Good' odds were too tempting so I went on the Amex website and teetered for a few minutes then said, 'what the hell'. I applied and stared with a heavy heart at the screen as it circled around, waiting for their response. Alas, I was approved. When I saw the limit, I thought it said $1,500 but as I looked closer, it was $15,000! Couldn't believe it.
A little background on me. My CK profile has my TU at 605 and my EQ at 590... yikes! My personal credit cards are: BOFA $1,500; CHASE Freedom $500; and Victoria's Secret $2,500. I should note that my husband got the AMEX Blue Cash Everyday back in 2014 and added me as an AU so on my AMEX profile, it lists me as a memebr since 2014, even though I got my card this month. Perhaps being on his account helped with my approval as he has never had a late payment. I am also an AU on his CHASE Freedom, Southwest VISA SIG, and CHASE Slate. My BOFA CC gives me a monhtly FICO and it lists it at 693 and when I recieved my AMEX card in the mail, they included a form that listed my FICO and the reason for the CL they gave me. AMEX checks Experian and listed my FICO at 680... which shows me just how off Credit Karma is with my actual credit scores.
I have a total of 8 late payments on my credit report: one from VS in 2014, one from BOFA in 2015, and six from ACS in 15 which I'm trying to remove. I also have one Collection opened in 2014 from comast that I'm disputing. My average age of credit history is 5yrs 2mos. I have 22 total accounts (lots of student loans).
So all in all, I don't know what AMEX truly looks for. I can't explain why I was approved for so much but am very grateful and happy. I truly hope this review helps, folks. All the best!