- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
Is your credit report locked with Experian?
Also, your score is probably okay to get charge card (zync/green/gold/plat) but I don't think you will get one.
Basically it is saying you don't have enough credit cards to prove your credit worthiness (ie thin file) and that you haven't had credit long enough. Plus, Credit cards with AMEX are harder to get than charge cards.
My guess you just recently got your Citibank card and this card is the only card you have had recently. You're going to have to wait a bit before getting an AMEX unless you are a student or something.
Also, if I am right about my assumptions, you better be careful. Already holding a high running balance on a credit card isn't a great way to start off your credit profile. I would recommend you apply to an easier card to get with no annual fee and hold on to it. In 6 months, with 2-3 positive credit cards on your credit file, you should be fine to get AMEX charge card at least.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k