Green card or not?

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Nuan
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Location: USA

Green card or not?

Postby Nuan » Thu Sep 20, 2012 10:09 pm

Hello everyone, I am glad I found this place. I received an invitation for Green Card from Amex. I googled it and found this thread (http://creditcardforum.com/american-express/1190-american-express-green-card-review.html) on this forum. It made me hesitant to apply. But I don't want to miss this chance since I was rejected by Amazon and State Farm in the last two months.

I am a college student and make about $17,000 as a graduate assistant. I have a State Farm student card from Feb. to build up my credit score and was approved with a Discover More card a couple of months ago. I knew I shouldn't have applied for the Amazon card but their $50 account opening bonus was so tempting when I was buying textbooks. Then I wanted to see if I could upgrade my State Farm card to a regular one when I tried to pay insurance renewal. Both rejections came after my Discover card was approved. My FICO score was 718 on July 31.

I didn't think about applying for another card after the rejections because I thought too many applications in a short time, especially when they were rejected, would hurt my credit history. However, I just got the invitation today and sort of swung about the idea of another application. I just want to ask, should I accept the invitation and apply for the Green card (which is not recommended by the thread above) and try to upgrade or switch to other Amex cards in the future or should I decline, wait some time, build up my credit, and apply for other Amex cards with more and better benefits? Thanks.

BTW, my wife and I need to fly back to our home country (10 thousand miles one way) each year. Will the Green card benefit us more than other options available given my status quo?


Nuan
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Location: USA

Postby Nuan » Fri Sep 21, 2012 8:35 pm

Anyone? Any input will be appreciated. The invitation expires in about a month.

Money card
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Postby Money card » Sun Sep 23, 2012 2:40 am

I would say since your a student I would contiue to use your state farm student card. when I was in my early 20's I tried for the Green
card and was turned down it was around 1989. after you graduate from college get a good paying job if you still want this card
then you can apply but for now stick with state farm.

DavidNY
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Location: New York

Postby DavidNY » Sun Sep 23, 2012 2:57 pm

If you're looking for a travel rewards card, I'd skip the Green card and look for cards you can get award travel on for whichever airline/alliance you use.

craigm1
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Location: toms river nj

Postby craigm1 » Sun Sep 23, 2012 6:45 pm

Money card wrote:I would say since your a student I would contiue to use your state farm student card. when I was in my early 20's I tried for the Green
card and was turned down it was around 1989. after you graduate from college get a good paying job if you still want this card
then you can apply but for now stick with state farm.


kind of funny i got my green card in 1989 I was working at radio shack we had the apps in our store I put down I made 35k, they called to my store to verify my income and I was the one who answered the phone I told them i was someone else and told them I made more than what was on the app and a week later the card came
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

Rory
Centurion Member
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Location: MA

Postby Rory » Sun Sep 23, 2012 7:17 pm

craigm1 wrote:kind of funny i got my green card in 1989 I was working at radio shack we had the apps in our store I put down I made 35k, they called to my store to verify my income and I was the one who answered the phone I told them i was someone else and told them I made more than what was on the app and a week later the card came


You sneaky bastard, I love it. Im gonna say i work at a made up place listing the number as my cell phone and when they call say I make 75k a year. I cant possibly fail!
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:

craigm1
Centurion Member
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Posts: 285
Joined: Wed Dec 01, 2010 8:44 pm
Location: toms river nj

Postby craigm1 » Sun Sep 23, 2012 7:22 pm

Rory wrote:You sneaky bastard, I love it. Im gonna say i work at a made up place listing the number as my cell phone and when they call say I make 75k a year. I cant possibly fail!


That was a really long time ago I have had many cards approved since then and I happen to know they have never called an employer so I think that ship has sailed, fortunately my scores are all above 750 and my annual income is in the six figures so no worries about getting approvals but it is cool having my amex say member since the 80's!!!!!!!!!!!!!!!
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

Nuan
Green Member
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Posts: 6
Joined: Thu Sep 20, 2012 9:36 pm
Location: USA

Postby Nuan » Wed Sep 26, 2012 7:40 pm

Thanks for your input, folks. Today, I received an invitation to AMEX Gold... Hmm, interesting.

User avatar
Socelli
Platinum Member
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Location: El Paso, TX

Postby Socelli » Thu Oct 04, 2012 12:13 am

Go with Green to start. The AF is manageable, $95.00 after the no-fee first year, and it also gives you some insight into the Amex family. You can then see how Amex works and, believe me on this one, Amex can see how YOU work. If you like them, Nuan, you're on your way! Your Amex card will be the card you will reach for every time. You can't beat their rewards and their legendary customer service.
Cards:
American Express: Business Platinum-NPSL, Delta SkyMiles Gold-$2K
Chase: Sapphire Preferred-$5K, Southwest Airlines Visa-$3.7K, Freedom-$400
USAA: Platinum MC-$4K, Advantage Rate MC-$4K, Amex-$4K
FBNO: BucksBack Visa-$1K, Amex-$1.7K
GECRB: Walmart Discover-$3,7K
Barclays: Financing Visa-$3.2K, Juniper MC-$1.1K
Capital One: Platinum MC-$1.5K, Platinum MC-$750
CFNA: Firestone-$1.6K
CitiBank: Office Depot Business Card-$1K

irvine801
Centurion Member
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Thu Oct 04, 2012 8:11 am

I say go gold. 1 inquiry won't hurt.
[goldcard].[/goldcard]
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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