- Platinum Member
- Posts: 72
- Joined: Mon Jul 23, 2012 8:14 pm
- Location: Los Angeles, CA
Were you straight up declined or were you given the "application pending, we'll get back to you in 7-10 days." Because I've heard from most people who were approved for the card who first got the 'pending' screen ended up getting the card.
What I can see is that your utilization might be a little high. The best to have is one under 10%. Also the number of accounts you have could be the problem. They might want to see more than just two accounts. And a variety. A car loan or students loans would help you.
I'm not sure about the green or the gold... but I do hear a lot about people starting with the Zync to establish a relationship with AMEX.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)