- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
I like the Green card, but I like the rewards of the Gold and the PRG better. But I also heard that in order to get the Gold or the PRG that you have to have at least 15k-25k+ income in order to get that type of card and at least 1-2 year of pretty good history as well. I do travel once in a while (i.e Vegas, or any other trip that I take throughout the year with it being a cruise, plane etc.) I'm not to fond of the Green card's rewards structure but I do like the card. And no I won't use it to buy precious metals or electronics (electronics, like computer parts and smaller stuff like iphone cases maybe once in every 6 months, if even that.)....lol. Maybe just once in a while for something expensive or to take my parents out for dinner for their birthday or anniversary and stuff like that. I won't go crazy and buy things I know I cannot afford to pay back. Under occupation, would I put in student? I go to school part time ( I have 2 classes, got into 2, wait-listed into one.) Also under Housing, I live with my parents, so I don't rent, Idk what I'd put there. I really do like the Gold or the PRG and do not mind the annual fee, but I have a feeling with such a short history, I would not qualify or I would be denied, which is scaring me away from applying for an AMEX right now. But technically one can make up their income never be caught? I would just think they would become suspicious that my income went up quite a bit. Under Fico scores, or the Credit report, would my income be listed on either of the two? That's the on;y thing I'm scared of, because I don't want my account to be closed just become my income went up, and I do not even know if it listed on a CR, or they tell when you get a fico score. Because when I got my first and only card so far, I used my income from last year which was 4,200 and I got a 700 limit. Or should I apply with a different bank like Chase or Citi, or even Discover, because they seem a little bit easier to get? idk what to do really. I just don't want to get a denial with such a short history.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.