Can I and should I apply for an amex?

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jlam572
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Postby jlam572 » Fri Aug 24, 2012 6:55 pm

This is one of the reasons I like this forum. We have all walks of life in here, from all different backgrounds and professions, all helping each other out. Cheers. Good luck to you Snowman
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Snowman
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Postby Snowman » Fri Aug 24, 2012 7:29 pm

Thank you Jlam and and Signhere, hopefully I will be able to come and report good news in the next few months! I have one last question though, would it make any difference If I listed my occupation under student if and when I apply for that card using the income I have provided?
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432521
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Postby 432521 » Fri Aug 24, 2012 8:37 pm

I think putting student would make a difference because otherwise how would you explain making only 4k working if you put restaurant worker. I think it would make it seem as if you were lazy and barely worked but if you put student you have a reason as to why you don't make to much because you focus on school
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SignHere
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Postby SignHere » Fri Aug 24, 2012 9:30 pm

Snowman wrote:Thank you Jlam and and Signhere, hopefully I will be able to come and report good news in the next few months! I have one last question though, would it make any difference If I listed my occupation under student if and when I apply for that card using the income I have provided?


Definitely student. I have found people who app for Amex it is best to always be honest on their applications. The Zync was my first CC ever and I babied it (and put a crap load of cash through it). But, it paid off with my Amex relationship. I'm having 'issues' with the idea of closing the Zync now after 2 years (we bonded LOL), but I don't really need two charge accounts open with them...
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Snowman
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Postby Snowman » Sat Aug 25, 2012 1:16 am

Ahh okay. Because when the time comes, I'm not sure exactly what I should put under occupation when I apply. And 432521, I try not to be lazy and barely work...lol.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

432521
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Postby 432521 » Sat Aug 25, 2012 2:34 am

Snowman you said you work 30-50 hours a week, even with minimum wage and you working only 30 hrs it should be a little over 12K. Are there some weeks that you don't work at all because if you work everyweek someone is stealing your money
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bmw1990Z
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Postby bmw1990Z » Sat Aug 25, 2012 7:32 am

Snowman wrote:So I'm back again. After a few months of learning about credit and learning to use it wisely, I am thinking of getting an Amex.

Income: I work as a host at Denny's but I go to school as well (part time job)
Last year I made a gross of 4,200 but after tax it was somewhere around 3,700.

Payment History: I got my card in April 2012. Since then, In may I had one high balance that was reported. But other then that I've always paid before the statement date cuts and in full, therefore it should be reported as 0 when reported to the bureaus.

Based on this would I/ do I qualify for an amex? I'm thinking of applying for three cards : The Zync, Delta Gold, or the Green Card. I have been getting more hours at work (hitting 50 + hours and getting some more overtime in the last few months) so the annual fee won't bother me as much. Again my credit history is short (about to turn 4 months after monday) but I'm asking for advice as to whether I should go for it or wait maybe until the end of the year (that way I know how much I made this year.) to apply. I still live with my parents as well but I pay any bills in my name (credit card, phone, etc.) I'd like to spread my spending a little bit more. Should I take the plunge and hard pull or wait?


I haven't read through the rest of the responses here, but my advice is this:

We are both similiar in that we work part time jobs and attend college. You didn't mention if you're parents are helping you income wise or if you have been an AU on their accounts but that is fine. I would say you need to have a good year of payment history on your bank of america card before applying for the delta skymiles card. I did that with my college visa and was approved almost a year later for delta skymiles. I also put student in the income section if you were wondering. Great card to have.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

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Snowman
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Postby Snowman » Sat Aug 25, 2012 6:38 pm

432521- There were some weeks that my boss would send me home when it was not busy, maybe an hour or two early. And 30-50 hours is usually in the summer and winter. I hit about 25-28 during the semester (per 2 weeks so like 6-7 hours every day that I;m there cause I only work 4-5 days out of a 2 week period, basically on the weekends is when I work cause I'm at school the rest of the time. And there are occasionally some weeks when I'm sick or I go on a 2-3 day vacation. So not every week but almost every week on the weekends is when I work.

BMW- My parents do not help me Income wise- I do not spend more than I make and try to keep my spending just down to the bare necessities. Gas, food, books for school, occasional stuff that might come up. And I have not been an AU, I guess my parents want me to be more responsible in getting credit for myself so ya. Thanks BMW, I'll apply for it when I app for the Zync and I think I'll apply for both in April next year, and If I do not get approved at least it was worth a shot...
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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