For as long as I can remember, I have idolized American Express as THE ultimate card provider. I largely attribute this mindset to a toddler-esque "following in my father's footsteps" ideal, as well as a certain adulation for the Ellen Degeneres ads that Amex ran a few years back.
Well, at 19 years of age, and as a rising Sophomore at a 4-year university, I figured it was about time that I take another step towards full adulthood by applying for something that demanded slightly more responsibility than another ATM card. I also reasoned that, assuming I manage my purchases as I always have done, a monthly charge card would further protect me from accruing extreme debt, whereas a credit card might not. I had initially planned to go Zinc, knowing that the food rewards pack was designed for me (as somebody who too frequently devours cheap and unhealthy takeout while cramming for midterms).
Over the next couple of days I began to ponder: "I wonder if they'd issue me a green card..." Naturally, my train of thought had only one more crazy track to follow. I finally decided: "Screw it--I'm gunnin' for gold!" Of course, I never actually expected Amex would accept my application--especially after applying for Zync online half a year ago, and then copping out in terror when they wanted to talk to me over the phone. With a FICO score of 738, a history of a car loan flawlessly repaid, and a "Student" occupation providing an income (conservative guestimate) of $3500 a year (that amount made only during a summer job--I hope to actually find a part-time job when I return to school), I was told to call the following day.
The next morning I got "Dave" on the phone. I was expecting to be asked for my full financial history and a binderfull of income reports, etc., but to my surprise, I only needed to verify my SSN, mailing address, and cardholder name. "Dave" then expedited my Premier Rewards Gold card, free of charge. Now there's the card member service I was hoping for!
P.S. I only applied for the Premier Rewards card because of the 25,000 bonus points. I plan to purchase a new laptop for school within the week.