cspporsche wrote:I have only about two years of credit and want to figure out how long it will take me to get an America Express
cspporsche wrote:I unfortunately was traveling out of the country and got hit with a few late payments but been paying consistently now .
cspporsche wrote:what credit score do you need.
cspporsche wrote:I really would like a green card I don't care about rewards or anything like that I have just always wanted an American Express
cspporsche wrote:Hi there
I have only about two years of credit and want to figure out how long it will take me to get an America Express
I unfortunately was traveling out of the country and got hit with a few late payments but been paying consistently now .
The only Credit Cards I have is a Kohl's Department Store Card, a Capital One Secured Card, and a Capital One Spark business which I am only a authorized user.
My Credit Score is currently in the low 600's
Any Advice on how to get one? How Long will it take me to get one, what credit score do you need.
I really would like a green card I don't care about rewards or anything like that I have just always wanted an American Express
amex007 wrote:As others have steered you away from the Green, I am going to say i would be in favor of that. It is a nice classic card with the amex prestige you want.
However, as others have said you wouldnt qualify for it right now with your derogs. Work on your payment history and see if there is anything you can do bout the derogs. Might want to apply for other cards first before trying for an amex and build a good payment history.
I know the Green is basically a simple charge card. However I argue for it because it is easier to get than a Gold or PRG, and ED card you need excellent credit also. If at a later point you can get a Green, after a little while you can upgrade to a Gold or PRG pretty easily. While you work on your credit. look at offers amex might send you.
Before i got my gold card, I applied for a Plat delta card and got rejected. But then a half yr later, they sent me a pre-approval for the Gold. Maybe because i had applied before and was rejected that i was on their mailing list. Dunno but i wouldnt recommend that. I only applied for the Plat delta to get a $50 credit on an airline tix and i got rejected and didnt get the credit lol.
2. Amex charge cards all require similar credit quality. It's just a question of AF vs. perks and rewards.