College senior looking to get first Amex

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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College senior looking to get first Amex

Postby amark » Mon Jul 23, 2012 5:15 pm

Hi everyone,

I am going to be a senior in college in fall and I would like to apply for an Amex credit or charge card.

  • I have one CC, a Wells Fargo Cash Back card, with a $2000 limit. I have had this card since December 2010. I spend a lot of money on this card, but I have never held a balance or made a late payment.
  • I have student loans from my first two years of college which are deferred until after college. I am paying the interest on the loans.
  • I work part time and have an annual income of about 15k
  • I have a clean credit report. When I received my WF card, my credit score was 700. I have not checked the score since then, but I believe it should be the same if not higher.
  • The card I would like to ultimately get is the blue cash everyday. As stated, I pay off my balance every month so the point of this card would really just be to get more money back on my purchases. (WF is just 1% on everything)
I understand that Amex cards are difficult to get and that is why I am here asking for advice. At this point, I see myself with three options:

1) Apply for Blue Cash Everyday
2) Apply for an Amex charge card or supposedly easier card (Delta gold?)
3) Apply for another card like the Citi Dividend Platinum Visa

I really would like the Amex BCE for the cash back and for the Amex perks. I really like that is has no annual fee as well. Please advise me on what option I should follow. Thank You.

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Postby nedyah700 » Tue Jul 24, 2012 12:53 pm

I vote Delta Gold!. Others are probably going to disagree but I applied when I was a freshman and didn't have a job and got approved. Granted that was before America's credit system went to hell .. But I would say why not. I feel like you would come off relatively low risk to them.

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Postby agp » Tue Jul 24, 2012 12:59 pm

Go for the Blue Cash Everyday. You don't need the Delta Gold unless you travel a lot, and travel a lot on Delta. When reporting your annual income, report

1. Your annual income, not your actual income. If you work 4 months/year and earn 15K in those 4 months, report 45K annual income because if you worked 12 months, you would earn 45K.
2. Include your tuition in your annual income. If your tuition is 10K per semester, report an additional 20K added to your annual income.

Of course, do not do this if you cannot manage your money. This method is not supposed to help you cheat the system so you can get yourself in debt and file for bankruptcy, this method is supposed to help you get a hard to get card so you can enjoy the benefits (responsibly).

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Postby Ratfacedudeguy » Tue Jul 24, 2012 1:14 pm

You may have a difficult time getting approved for the BCE however since Amex makes their revolving credit cards harder to get than their charge cards. It's great that you're already managing your existing credit wisely, but Amex will probably want to see more than one major credit card on your file and a greater length of credit history in order to grant you a BCE. My personal recommendation would be either to go for the Delta Gold or a charge card that fits your personal needs. With an annual income of $15k it's going to be difficult even to justify a Delta Gold or a Green. The Zync might just be your best bet for now.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

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Postby actinium » Tue Jul 24, 2012 5:47 pm

I'm in a similar situation. I only have two student loans ~7,000 total and have had a Discover More card since 2009 (no late payments on anything) I applied for the BCE with a $20k salary and got denied. I'm interning right now ($45k salary) and applied for the BCP and got approved. I also got approved for the AMEX Green and Capital One VentureOne.

I don't recall the reasons I got denied and I am away from my home and am unable to check the letter (it may have been credit usage was too high iirc).

Just my two cents.

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Postby jlam572 » Wed Aug 01, 2012 1:59 am

I was in the same boat as you my junior year in college. I applied for green and was approved. Paid my balance off every month, never late, and I was offered golds and platinums after 2 years when my monthly spending went up to around 2k. Good luck and let us know what you choose.
American Express Platinum
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Capital One Visa Platinum
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