- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I agree you should wait until your credit history is six months old - at a minimum. I got my PRG Amex 6.5 months after opening my first card. Since they have already denied you and you have applied for four cards already, in your shoes, I would wait a full six months from today to apply again for an Amex. I would apply for the same charge card again (or the Gold/PRG/Platinum), and not try to get one of the credit cards like ED or BCE yet.
I don't know what kind of score Discover sent you, but if there's nothing else in your credit report, it is true you don't have a FICO score yet.
Edit: This all assumes you continue to keep your utilization low, and you currently have, and will continue to have, a perfect payment history.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech