Annual income 6k, which amex could i get?

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Jorge Vidaurre
 
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Annual income 6k, which amex could i get?

Postby Jorge Vidaurre » Tue Dec 10, 2013 4:38 pm

Hello,

I have an annual income of 6k, which amex credit card can i get?

Thanks.

Kind Regards,

Jorge Vidaurre


CC Deville
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Location: Phoenix

Postby CC Deville » Tue Dec 10, 2013 4:50 pm

Ay Papi....if you have no other credit obligations such as car loan, student loan etc you may be able to get a Green or Gold charge card but expect a low amount that you would be able to charge. I would not recommend a revolver (Blue Cash Everday etc) just yet.

MemberSince99
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Location: WI

Postby MemberSince99 » Tue Dec 10, 2013 7:49 pm

That's really pushing the limit though. They are fond of income for obvious reasons. It's possible. I'd be curious to know the outcome. Assets might make up for the lack of income. If no assets either man it's really pushing it.

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otter
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Postby otter » Tue Dec 10, 2013 8:05 pm

Bluebird or serve...
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

MemberSince99
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Postby MemberSince99 » Tue Dec 10, 2013 8:45 pm

Good answer otter, if worse comes to worse.

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m.a.stewart.
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Postby m.a.stewart. » Wed Dec 11, 2013 4:07 am

Why even bother to apply for an Amex. You just might be asking for trouble
~PARATUS ET POTENS~

MemberSince99
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Postby MemberSince99 » Wed Dec 11, 2013 6:53 am

Asking for trouble is teasing the pug! :D

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jumbo
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Postby jumbo » Wed Dec 11, 2013 9:45 am

;) Come on, the pug doesn't bite.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

Obi-dan
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Location: Houston, TX

Postby Obi-dan » Wed Dec 11, 2013 1:45 pm

What is your purpose for wanting a card? With that income my first thought would be for you to stay away from credit. It can be a dangerous temptation to overextend. Obviously I don't know what your expenses are but on a $6k income there is no margin for over extension. My two cents.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

thom02099
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Location: Colorado, USA

Postby thom02099 » Thu Dec 12, 2013 11:11 am

Obi-dan wrote:What is your purpose for wanting a card? With that income my first thought would be for you to stay away from credit. It can be a dangerous temptation to overextend. Obviously I don't know what your expenses are but on a $6k income there is no margin for over extension. My two cents.


Great advice from Obi-dan! If you don't have a purpose, why apply? And if you do have a purpose, why specifically AMEX? There are certainly other cards for someone with limited income. But as stated above, "it can be a dangerous temptation to overextend". Trust me, folks here know. We've been there/done that/won the t-shirt.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016



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