So wait, what?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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t528491
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Location: GA

Postby t528491 » Mon Oct 22, 2012 2:56 pm

You should probably apply for the Green in December for backdating purposes, since it's pretty much guaranteed that you'll be approved for that one. I'd hold off on applying for any other cards until then, since you don't want too many inquiries. Then in April you could app for all your other cards, including the Blue Cash Everyday. I've actually heard of people getting them after only a few months of history with Amex. YMMV of course.
[size=80]
02/12 Authorized user on Chase Freedom ($5000)
08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
Citi Forward for Students 6/13
American Express Blue Cash Everyday 1/14
Sallie Mae World Mastercard 2014
Chase Freedom 2014
Penfed Platinum Rewards Card 2015[/size]


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Snowman
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Location: North Los Angeles County

Postby Snowman » Mon Oct 22, 2012 5:09 pm

T-Sounds like a good plan! in December, how soon would I be able to apply after my statement cuts? also should I check my score before applying? and would my income be okay enough to get me a green? And yeah, I'll hold off applying for everything else until the end of April when my statement cuts or in may of next year.
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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t528491
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Postby t528491 » Mon Oct 22, 2012 7:36 pm

I think anytime in December would be fine. You could also do a MyFICO trial at that point to make sure your score is decent. If I understand correctly, as long as you make over the minimum ($10k) it doesn't matter as long as your score is good. Best of luck. :)
[size=80]

02/12 Authorized user on Chase Freedom ($5000)

08/12 Discover It ($1500)

08/12 American Express Zync (NPSL)

12/12 NFL Visa ($500)[/size]



[size=60]Future cards:

Citi Forward for Students 6/13

American Express Blue Cash Everyday 1/14

Sallie Mae World Mastercard 2014

Chase Freedom 2014

Penfed Platinum Rewards Card 2015[/size]

User avatar
Snowman
Centurion Member
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Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Mon Oct 22, 2012 8:07 pm

I make right around 12k gross, but minus tax it would 11,200-300 or somewhere in that range. And Thanks :) .
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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Snowman
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Location: North Los Angeles County

Postby Snowman » Tue Oct 23, 2012 2:40 pm

Would it be a good idea to apply for the Gold or would I be aiming too high right now? These are the Cards I am hoping to get soon. I am thinking about applying for cards at the end of every semester so that way it gives me time to build history. I have a total of 12k gross income, but it's more closer 11,100-200 after tax and stuff. Here are the Cards I want to get now/later future. based on what I post when should I apply/how likely am I to be approved for these cards in the upcoming future (I can wait a few years when my income goes up for certain cards.) And yes I know all these cards are prime, but it is a goal to have a few of these cards.


Amex Blue Cash Everyday (Next may)
Citi Forward (student or regular version) (Next May)
Discover More (Next may)
Chase Freedom (next may)
Chase Disney card (I go to Disneyland about once a year, and my little brother absolutely loves Disney, so it'd be a good card.) (sometime in 2014)
Chase Sapphire Preferred( sometime in 2014.)
Amex Green (December 2012)
Amex Gold (I don't spend enough to justify the PRG) (sometime next year or in 2014)
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.

sakhalin
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Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Tue Oct 23, 2012 2:48 pm

I think you might be aiming a wee bit high for the Gold. Perhaps it is a better idea to apply for that in 2014 after you get the Green (hopefully this December). The Citi Forward (student version) is easy to get as long as you can verify your student enrollment.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

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Snowman
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Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Tue Oct 23, 2012 3:22 pm

Alright I guess I'll go for the green first. And yes, I am a student. Is there much of a difference between the regular and student version of the forward?
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.

sakhalin
Centurion Member
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Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Tue Oct 23, 2012 7:17 pm

Snowman wrote:Alright I guess I'll go for the green first. And yes, I am a student. Is there much of a difference between the regular and student version of the forward?

From what I gather, just seems to be the signup bonus. The regular version nets you 10,000 points or something like that at signup, whereas the student version does not. The reward structure is the exact same, and the only difference I can think of is the signup bonus. Maybe APR rates will be slightly different too. When my card came the booklet and letter didn't even say "student" on it, it just said "Citi Forward". But you are pretty much guaranteed the student version so I'd go with that, you'd rack up points in no time. :)
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

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Snowman
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Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Tue Oct 23, 2012 7:34 pm

Probably, should I apply sometime this month or in December?
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.

sakhalin
Centurion Member
Centurion Member
 
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Tue Oct 23, 2012 7:48 pm

Up to you. I read through this thread, and it sounds like you only have one inquiry? You said your Green application was a glitch and no inquiry was made, correct? Your credit history is still short (6 months), and honestly I think the Citi Forward would be a great choice for you. I know you want an AMEX, but do you need an AMEX? The Citi Forward gives you 5x points per dollar spent at restaurants (including fast food!), bookstores (including Amazon.com as long as its the merchant!), music (including iTunes!), movies (including Netflix!), and 1x point per dollar spent anywhere else. It's a great card for young people, and it is relatively easy to get, and there is no annual fee. Not only does the Green have an annual fee, it is also a very conservative lender. I know you want to get your foot in with AMEX soon for backdating purposes, but your credit history is still fresh and young, and there is a chance you may not get approved for the Green for that reason. I'm no AMEX expert, but if I only had 6 months of credit history and made $12k, I wouldn't apply for the Green because there are other cards that have no annual fee and reward me for things I spend on the most. I probably sound like a Citi fangirl, but I absolutely love the card. I can already book a roundtrip flight down the West Coast with my points!

But yeah, I'd apply for it now, I don't think 2 months would make that much of a difference for approval for the student version.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)



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