Pre selected for Green

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Gb24
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Pre selected for Green

Postby Gb24 » Mon Nov 25, 2013 6:48 pm

Should I apply for it? I want to get my foot in the door.

I have a credit score of 628. I'm 23 in school. And earn more than 30k a year.

I recently was denied for the Amex delta card. I currently have a Discover It card, Capital One Journey card and Capital one secured credit card.


travisrauh
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Postby travisrauh » Wed Nov 27, 2013 10:40 pm

If you were pre-approved for a Green Charge Card, then it's your call - you'll get the card if you want it! Just do keep in mind that since it's a charge card, the charges will be due in full every month. Don't hesitate to ask if you have any questions! :-)
I am an employee of American Express. All posts are those of my own and do not reflect the actions or opinions of AXP. While all efforts are made to ensure accuracy in my posts, for official statements or responses, please consult with @AskAmex on Twitter or dial the number on the back of your card.

Gb24
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Postby Gb24 » Wed Nov 27, 2013 10:57 pm

I was APPROVED. :)

MemberSince99
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Postby MemberSince99 » Wed Nov 27, 2013 11:22 pm

I would advise against applying for Green if you were denied Delta Gold, given your score. It's on the VERY low end as far as Amex goes. See if you can get it up to at LEAST 650 or so, 670 or 680 would be optimal.


I've gotten pre-approvals from Amex (for Green) and applied and was denied. It's not a guarantee by any means. I would hold off and work on getting your score closer to the numbers I listed for best odds of approval. That's not to say you can't get it right now, but I don't see the odds being in your favor.

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otter
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Postby otter » Thu Nov 28, 2013 1:43 am

As Member said, i would try to get at least 650 before applying... maybe getting your current utilization below 10% would put you over. Ironically, I applied for the Delta Gold in August and was denied. I then applied for the Green card two months later and was approved. I then immediately applied for the Blue Cash Everyday(which almost everyone says is harder to get than the Delta Gold) and was approved. Once you're in, it does seem easier to get approved for the revolvers...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450



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