- Gold Member
- Posts: 29
- Joined: Wed Feb 26, 2014 12:20 am
- Location: Belleville Michigan
as a long time lurker I finally joined and wanted everyone's thoughts on my chances for approval for the amex green card and or gold delta sky miles card.
current length of accounts is 2 years give or take
Cap one plat $1000 limit, $137 balance opened 2/24/12
cap one (formally orchard bank) $400 limit balance 0 opened 4/13/2012
cap one secured 200 limit balance 0 opened 6/26/11
first premier limit 300, balance 0 (when it posts, just PIF) opened 10/02/10
first premier limit 400, balance 0 (when it posts, just PIF) opened 4/6/12
JC Penny limit 400, balance 0 opened 04/02/14
I have around 12K in student loans which are in deferred payment status, and am currently in school full time, as well as working full time.
I made roughly 32K last year i believe off the top of my head, and I'll be at my job a year come march/april and am projected to make 40-45K this year. (grossed 9k between jan/feb, netted 6k and change)
I have never missed a payment, on any of my cards, and up until recently, although i had high balances, usually would make at least the minimum payment, if not pay a little more, but always 100% on time, usually early.
my current FICO score is 644,eqifax. before 3 of my accounts post to zero balances and raise my score.
What are my chances of being approved? I dont want to waste a inquiry, if I am going to be denied. Should i get rid of my first premier cards? i hate them, and everything about them, but they helped me build a history when i was new to credit. should i let all my cards sit at a zero balance for a while and "garden" and then try? i'd really like a charge card for my monthly expenses without damaging my utilization on my 1k cap one card which is a quicksilver card.
thanks in advance, I love this forum Bill.
Amex Delta Sky Miles Gold
Citi Diamond Preferred
Cap One Venture One