Got invite for gold, should I accept it?

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Got invite for gold, should I accept it?

Postby apply2amex » Mon Mar 25, 2013 10:20 pm


I got declined for Amex blue cash everyday on July 2012. I had a secure credit card at that time my experian score was 726. When i applied for BCE Amex declined saying had too many inquires on credit report though I had good score. I didn't apply any card after that and I waited.

I got my first credit card from chase on Feb 2013 with credit limit 5000 also my secure card also converted to unsecured credit card on Feb 2013. i have total of 10k limit now. I have got an invite to apply Amex gold card now. My current experian score 734. I have following questions.

1) Should I apply for this GOLD card now?
2) I am not interested in charge card. If I apply BCE again will it got thru?
3) Another thing I noticed was. I have experian account where it shows my score as 734. But when i applied for my chase card and in the credit report letter the score was only 692
they got the report from experian only but score was less than what I see on my experian report.
4) I got the new chase card some less than 60 days. Can I apply for this card with in 60 days time frame.

I am not a credit card favored guy. But I am looking for Amex card. :)
dont want to apply if it is not worth a try.

Please advise

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Location: Miami, Cuba

Postby TheLethargicAge » Tue Mar 26, 2013 8:27 am

I wouldn't! bother with the Gold if I were you. For the $125 annual fee, you really don't get much. Don't app for anything for the next 6 months and then try again for the BCE. Keep in mind they won't let you convert a charge card into a revolver.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

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Location: Austin/TX

Postby tigerowl06 » Tue Mar 26, 2013 11:32 am

You might find this article informative:
Consumers? real problem with credit scores - MarketWatch
Chase Freedom ($2.5K, 10/2009)
Discover it ($6.6K; 03/2011)
Amex BCE ($19.5K; 02/2013 - 2011 BD)
USAA Limitless 2.5% (22.5K; 08/2017)

Posts: 2
Joined: Mon Mar 25, 2013 10:02 pm
Location: phoenix

Postby apply2amex » Wed Mar 27, 2013 12:24 am

I called up amex and told them I don't want gold. Instead I will go for BCE. They took my application and I got approved with $2000 limit.

Thanks for the suggessions :cool:

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