- Posts: 2
- Joined: Wed Apr 11, 2012 1:55 am
- Location: United States
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.