m20e3087 wrote:Got my credit utilization to 11%. Just paid of credit card debt. I have balances on 2 card with 0%. Will be applying next month for the GOLD PR!! what are my chances? My FICO is 717, and this is without the cards I just paid off. So hopefully it will be higher onece they report zero balances. Also is there a back door number for AMX?
I would guess pretty good. Right now Amex seems to be looking for new customers and while you are an existing customer, the 175 dollar annual fee will certainly be attractive to them along with your membership for years and decent FICO and utilization. I would guess the odds are in favor of approval, assuming your FICO goes up a bit, and your internal credit with them is good.