I had gotten an offer from AMEX in the mail a week back and decided to give it a shot. My scores are above 735+ through my banks, CK & experian. I tried to apply through safari first but wouldn’t let me get past “look at terms” option so I decided to call. Talk to one lady get took all of my info and processed the app within 5 mins seem like. She couldn’t get approval right away so she connected me with another guy in the making decisions department I guess. He took some more information to just verify public records and after a quiet 45 seconds, I got an email saying I was approved before the guy could tell me. If I could give any advice it would be make all of your payments on time or even a couple days before your payment date. You’ll see it rise, just be patient. In 2016-2017 my credit was hovering around 500.
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