Bksuper wrote:Include whatever source of income you're using to pay for school tuition/r&b (support from parents/relatives, financial aid, scholarships) into your income, not just the cashier wages. Choose Student Employed for your occupation. You have enough history to qualify I think if you get your income at least up to $20k from including the aforementioned sources, but you'll definitely want to wait until September for the inquiries to age off, that many is a huge flag that could get you denied if you don't wait until then.
Snowman wrote:At this point, you need to wait 6 months to a year. I have heard of people getting Amex's with 8-10k income (I make 12k too, but I'm a student as well.) The problem isn't your income (it is a huge factor but it's not the only thing.) You have way to many inquires and your accounts are so new that it unlikely at this point for you to be approved for any card. Once the inquires fall of, however, you have a much better chance, or at least they are 6 months. Just let your accounts age for 6-7 months and then try for an Amex and you might have a reasonable chance of being approved by many creditors. Simply my 0.2
pewpew wrote:i just picked up an AmEx Blue for those few places that only take AmEx. i have perfect credit history since i got my first CC 7 years ago. all 3 of my scores are now in the 770-800 range. 6 figure salary. and all they gave me was a 3k CL. so prepare for possible disappointments.
if i were you i would wait until those inquiries go away. keep fully paying off your balance and your scores will move into the 700+ range by fall. apply then.
i know a lot of people who lied about their income when they were in college and applying for cards (listed their parents income) and got away with it. i'm not saying you should, but i have seen it done.
Snowman wrote:Well I mean you've already done that. For example, I applied for 2 cards on the same day in October of last year and was approved for both, then I took a chance with Amex and got approved but not for the Chase Freedom that I wanted. My point is build slowly and just evaluate every 6 months on what your needs are for your CC's and then make it work for you. Or else your going to get declined because lenders will start to think you are becoming desperate for credit. And that's reasonable that you want them to age together, but you have so many inquires and 2 brand new accounts that you just opened last month that it seems rather doubtful any creditor will approve you. Now after 6 months though once your accounts have aged a little bit, then try for an Amex or Chase or whatever you want and see where it takes you.