- Platinum Member
- Posts: 93
- Joined: Sat Jan 21, 2012 1:43 am
- Location: Seattle/WA
If you don't spend anything that you normally wouldn't, you should be fine with the charge card. If you are curious, then when you get the card and set up your online account, there is a tool to check your spending ability.
Credit approval will be erratic for someone new to the credit card scene and who has a collection on record. The outlier here is the instant approval for the gold card, but it does have a high annual fee. People get caught up in the fact that it's an Amex and that it's "gold", but credit products are defined by their terms and nothing else. Also, did you apply for the Capital One card a day or two later? They might have seen the inquiry for the Amex.
Chase Freedom ($2.5K, 10/2009)
Discover it ($6K; 03/2011)
Amex BCE ($19.5K; 02/2013 - 2011 BD)