Easiest AMEX to get as a 20 year old?

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Easiest AMEX to get as a 20 year old?

Postby mreeb4 » Sat Jan 05, 2013 12:38 am

Hello there everyone,

I'm new here, so I apologize if there is another thread in this forum about this, but I am a twenty year old college student in the market for a new credit card and I was leaning towards an American Express, as I like to travel a lot and want a card that has a program that will help me cover some of my expenses. I would like some advice, given the current state of my credit, about what would be the appropriate card to apply for, or if I should even bother.

I get my credit score monitored through all three bureaus - it is 692 at Experian and TransUnion and 705 at Equifax. I have one revolving line of credit - my Discover student card, which has a $500 limit. I also have a personal loan and a car lease that I have been paying faithfully, and some student loan accounts, some which I have paid off and some which are deferred. I've never missed a payment on any account, and I have relatively well-paying part-time job in addition to my studies.

I do have several hard inquiries on my account (five, although two are more than a year old, and the others are getting there) and I have applied for AMEX Delta Gold credit card before and was rejected. I also applied for a Citi Forward card and was rejected as well. The other three hard inquiries are for my Discover (for which I was approved), my car lease, and a personal loan that I took out in September of 2011 in order to help further build my credit. I have had no hard pulls since April of 2012.

That all being said, are there any AMEX cards that would be easier than others to get given my circumstances? The reason I ask is that I don't want to waste an inquiry on a card I don't have a chance of getting.


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Postby adiaudi1211 » Sat Jan 05, 2013 6:13 pm

I had the same thing, apply for green card first.

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Postby CC Deville » Sat Jan 05, 2013 8:08 pm

I was pre-approved and subsequently approved for a Gold card when I was 20-but that was in 1999.

Their charge cards (Green and Gold especially) are the easiest Amex to be approved for as they take less risk with those products. It is best to get your foot in the door with them on a charge card and if you want to apply for a revolving Amex card in the future it would be backdated to the first year you became an Amex member.

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Postby Jslimm1985 » Sat Jan 05, 2013 9:07 pm

Agreed. I'm in the same boat. I got my green card first. Upgraded to a Gold 18 months later. Then got approved for the BCE revolver a couple days ago.

All in all, get a charge card first. Build up that trust then expand your portfolio with AMEX.
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

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Postby Snowman » Sat Jan 05, 2013 10:18 pm

M- What is your income like? you mention that it is a relatively well-paying part time job, but a lot of Lenders typically look at your scores and income. Why were you rejected for the Gold Delta? (it is typically the easiest Amex revolver to be approved for.) and the citi forward? I have a feeling that you were denied because of all the inquires (I think 3 is the max that most companies are okay with seeing, from my experience at least.) Amex charge cards typically are the easiest to qualify for because the risk is less compared to their revolvers. Try for those and see what happens.
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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Postby jrv » Sun Jan 06, 2013 4:39 pm

The green was the first card that I got when I was in college with no credit history so I would have to agree that it is the easiest to get. You mentioned that you get your score monitored through all 3 credit bureaus. You didn't say if you pay for that service but with the AMEX card you may be able to sign up for their monitoring service called Credit Secure for $14.95 per month. It allows you to pull your report & score from all 3 agencies 2 times per month. Good Luck.
AMEX Platinum NPSL, Member Since 92
AMEX Blue 15K
PenFed 11K
PNC Visa 20K
First National Bank Omaha Platinum Visa 25K
Citi Simplicity 11K
50K Total

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Postby cashback » Sun Jan 06, 2013 5:19 pm

I got the Amex BCE when I was 20 (5 years ago).
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

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Postby Robrus1 » Sun Jan 06, 2013 9:13 pm

adiaudi1211 wrote:I had the same thing, apply for green card first.

This is the best way to start.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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Postby Money card » Sat Jan 12, 2013 11:21 pm

the green card was the last card I got. the first was a revolver back then was First Fidelity . then a Discover a couple years ago august
2010 another revolver the capitol1 venture card oct my only premium card the green card.

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Postby beef.stu » Sun Jan 13, 2013 2:07 pm

If it helps any, I got my BCE in october. Im 21 and I only listed a 13k income and that I am a student. EX score they pulled was 728 and I only had 2 other credit cards: a Wells Fargo Platinum Visa with a $2400 limit and a GE bank Chevron card with a $600 limit.

I didnt get an instant approval, but they approved me with a $2000 limit
(01/10) - Wells Fargo Cash Back VISA Signature
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae Commence WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature

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