Amex Premier Rewards Gold card credit score requirements

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NateDogAmex
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Amex Premier Rewards Gold card credit score requirements

Postby NateDogAmex » Mon Jan 31, 2011 4:11 pm

I have Credit scores of 727, 722, and 701... salary a touch over $100k and only negative i can see would be an old Amex blue card i closed a year or two ago with an outstanding balance of about 1700 (2500 limit). I still make pymts to it and the only other card i have is an open Capital One card with a 400 balance (1000 limit). What do you think, will I qualify for the Premier Rewards Gold? I'm 26 with a solid credit history since 18


NateDogAmex
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Postby NateDogAmex » Tue Feb 01, 2011 4:35 pm

i've also received numerous "pre-approval's" from amex for their green card, but am much more interested in the premier rewards gold... do i have a shot ?

my best wish
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Postby my best wish » Tue Feb 01, 2011 10:55 pm

Maybe but your credit scores are on the low side.

NateDogAmex
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Postby NateDogAmex » Wed Feb 02, 2011 1:55 pm

my best wish wrote:Maybe but your credit scores are on the low side.

Thanks for the feedback. I use Bank of America's Privacy Assist Premier service to monitor my account and track my credit scores but they never really update. Is there an easier way to get my accurate scores as those listed above were from a few months ago but my credit should be in better standing due to additional pymts i've made over the past few months.

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Elliot Castro
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Postby Elliot Castro » Thu Feb 03, 2011 11:31 am

Hmm, you closed an account with them and a year later you still haven't paid them off your debt, yet you still want another card from them?

Do I read that right?

NateDogAmex
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Postby NateDogAmex » Thu Feb 03, 2011 12:37 pm

Elliot Castro wrote:Hmm, you closed an account with them and a year later you still haven't paid them off your debt, yet you still want another card from them?

Do I read that right?

Yes, that is correct. I picked up a card from them right out of school when i thought i needed the money but like most young, inexperienced spenders, i racked up the debt on the card then rather tempt myself with it, i simply cut it up and closed the account.. i've been paying it off ever since....
By your reaction, I take it your advice would be to pay off the outstanding debt first, then apply?

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Postby RookieDayTrader » Thu Feb 03, 2011 11:24 pm

Do you know what your FICO scores are? If not go to myfico.com and pay for your scores. FAKOS don't count.

NateDogAmex
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Postby NateDogAmex » Fri Feb 04, 2011 12:24 pm

RookieDayTrader wrote:Do you know what your FICO scores are? If not go to myfico.com and pay for your scores. FAKOS don't count.

Just pulled it... FICO score of 744

Mapleton
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Postby Mapleton » Fri Feb 04, 2011 5:14 pm

It's not your credit score I would worry about, it's the previous Amex you're making payments on. If you make a $100k, you should pay off that Amex ASAP before apping for a Gold.

CCG
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Postby CCG » Thu Feb 10, 2011 9:11 pm

NateDogAmex,

I believe you may have a good shot with those credit scores. Check out my American Express Gold Card review to see the current signup offer for the card.

Good luck,
CreditCardGuru



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