19 Year-Old College Sophomore Premier Rewards Gold Awesomeness

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superduper
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19 Year-Old College Sophomore Premier Rewards Gold Awesomeness

Postby superduper » Sat Jul 28, 2012 7:48 am

Greetings!
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! :cool:

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.

Cheers!


tigerhunt2011
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Postby tigerhunt2011 » Mon Jul 30, 2012 12:48 pm

just literally did the EXACT same thing. I have idolized AMEX forever. i'll be a soph on August 20th. 25k MR points, how could a college student resist that? Congrats :)
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

agp
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Postby agp » Mon Jul 30, 2012 12:58 pm

Congratulations on the approval! Charge cards is a good transition step between debit to credit cards, and Amex is the best there is to offer when it comes to charge cards. Besides, whipping out your gold card in college restaurants / bars will definitely get you some attention.

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

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Mon Jul 30, 2012 1:03 pm

I must be getting old, that's not the kind of girls I would want to have around.

agp
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Location: US&A

Postby agp » Mon Jul 30, 2012 1:04 pm

Yea but lots of college kids want that attention. When I was in college I wanted a nice credit card to flaunt around pretentiously. But of course we grow out of it (hopefully) when we mature.

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

superduper
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Location: California

Postby superduper » Mon Jul 30, 2012 4:09 pm

Congrats on your card too, Tiger! I can't deny that I'm certainly looking forward to the prestige tied to a Gold Card, but I'm far more excited about the points and membership benefits. Well, that, and this thing is pretty shiny. Shiny things are always good.

...So shiny I need sunglasses to look at it in the sun. :cool:

cardinal
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Postby cardinal » Tue Aug 14, 2012 10:05 pm

I'm 19 years old and I literally did the same thing today. Was instantly approved. I applied for a Delta Gold Amex seconds after and was also approved. Now to mean those minimum spend requirements on a college budget.....

tigerhunt2011
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Joined: Wed Jan 12, 2011 8:54 pm
Location: Tucson, AZ

Postby tigerhunt2011 » Sun Aug 19, 2012 10:14 pm

this is very freaky... i have the Delta Gold too, i applied for it the day before the PR Gold. guess we figured out the "golden ticket" for college students ;) the way I see it, 30,000 Delta Miles AND 25,000 MR points for $270... very worth it.

what i'm trying to do is get my parents to let me put my bills on my AMEXs and then they reimburse me for them. I don't know what your parents cover cardinal and superduper, but it could be worth a shot (and a LOT of MR/Delta points :)
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

edsarroyo
 
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Joined: Wed Aug 29, 2012 2:04 pm
Location: Baton Rouge

Postby edsarroyo » Wed Aug 29, 2012 2:40 pm

Way to go y'all!!! I'm about to be 20 & am a sophomore in college too. I have 2 secured cards:

-Wells Fargo Platinum, CL: 300
-Local credit union, CL: 500

I was denied for Amex Gold this past summer. I have a score around 660. My utilization has been high on my WF card due to me making many purchases for back to school. I'm also getting a new job in the upcoming week. Going into October my balances will be at 0.

I plan on utilizing 15% on both cards per month from Oct-Jan & pay in full. In January I'll go ahead & apply for the PRG, hopefully my score will be near 700.



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