columbusohio wrote:I'm 18, I started my credit back in October by getting a Chase Freedom Card, they approved me with a $500 limit, in November I signed up for 3 more cards, capital one secure $200 limit, discover it secured $200 limit and a lowes card at a $400 limit, I want to know what AMEX card would I qualify for, I know the limit on the AMEX will be very low If I do get approved but at least I'm getting my foot in the door with AMEX.
Given those low limits, age of your credit history and recent activity I wouldn't recommend anything. 3 months is no time at all in the credit world and you have a lot of new accounts for a new and thin profile like yours.
There's no benefit to getting your "foot in the door". If you qualify you qualify. Being approved doesn't provide additional benefit. Your entire credit profile and income at time of consideration are assessed with every credit decision.
columbusohio wrote:Credit karma says my scores are 620.
Credit Karma's scores are irrelevant. AmEX does not use VantageScore. They typically pull EX and not TU or EQ.
Always consider the specific scoring model & CRA when referencing scores. Also consider the relevance of the model/CRA combo to a given creditor. Creditors do not all use the same scoring model or CRA and you cannot use a score generated by one model to determine a score generated by a different model. For AmEx you'll want to look at your EX FICO 8.