Green, gold, and platinum chances

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
12 posts
creditlearner10
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Green, gold, and platinum chances

Postby creditlearner10 » Wed Apr 16, 2014 6:21 am

Hello everyone. I have some questions on what my chances for getting any of the Amex cards are. I am 20 years old i opened my first card (Macy's) 2 years and 8 months ago with a credit limit of $2500. I have a Wells Fargo platinum college card that has a $2200 credit limit. Both of my cards are completely paid off after a long semester off from college. I also had a student loan of 3000 that's completely paid off. I never missed a payment on any of my credits and my current credit score is 745. My income also is $20,337 before taxes. I mainly want an Amex just for the rewards program and basically because it's seen as a status card. I am a college student and I'm very responsible with credit so i understand the difference between a credit card and a charge. So please tell me what my chances of getting approved for a green, gold, and platinum are. Thanks in advance.


haikuginger
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Postby haikuginger » Wed Apr 16, 2014 9:39 am

You will hear repeatedly on this site that no one can really tell you what your chances for any particular card are except for the issuer upon receiving your application. No one else can give you complete information, so if you want a card, apply for it. But only apply if you're willing to waste an inquiry in pursuit of it.

ncosky290
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Postby ncosky290 » Wed Apr 16, 2014 10:23 am

Why not try for the Chase Freedom. It has a very good rewards cash back program.
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

creditlearner10
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Postby creditlearner10 » Wed Apr 16, 2014 10:26 am

ncosky290 wrote:Why not try for the Chase Freedom. It has a very good rewards cash back program.

Well i was thinking about getting another card which included chase freedom but wouldn't that bring down my AaoA? My original plan was to just have my macys, wells fargo, and an amex.

linuxmachine
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Postby linuxmachine » Wed Apr 16, 2014 12:00 pm

creditlearner10 wrote:Well i was thinking about getting another card which included chase freedom but wouldn't that bring down my AaoA? My original plan was to just have my macys, wells fargo, and an amex.


You do know that the Amex account will drop your AAoA right? Is your concern that additional drop if you get both the Amex/Chase cards?

mrow
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Postby mrow » Wed Apr 16, 2014 12:35 pm

I had a Platinum card in college when I was 21 years old. Let me tell you. It's not worth the AF for that card. As a college student you just won't get the value out of. I canceled mine after a year and didn't get one again until I was into my career and making good money to use the benefits. The PRG probably doesn't give the bonus points on categories you'd really use as a college student either to justify its AF. Go for a green card for the low AF while still letting you rack up points.

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nismoZtuner
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Postby nismoZtuner » Wed Apr 16, 2014 12:58 pm

-Last Year(2013)-
Age:20
Income: about 29K
Credit Score: low 720ish
Credit History: about 8 Months

Guess What?
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

jlam572
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Postby jlam572 » Wed Apr 16, 2014 3:35 pm

I cant say what your chances are, but I was approved for green while in college with about the same income and a score around 700. My "no preset limit," which everyone new who gets the card brags about, was super low though...like $2k lol. I tried to buy an intercooler for the car and amex asked for money before I could purchase it.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

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nismoZtuner
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Postby nismoZtuner » Wed Apr 16, 2014 3:49 pm

nismoZtuner wrote:-Last Year(2013)-
Age:20
Income: about 29K
Credit Score: low 720ish
Credit History: about 8 Months

Guess What?


I have a PRG --_--

Card history...

8/2012*CLI on 8.5.13 Bank of America Cash Rewards CL from $600 to $2K
5/27/2013*CLI on 12.30.13 American Express Blue Cash Everyday CL from $2k to $3k
5/30/2013 Discover IT CL $1500
6/24/2013 American Express Premier Rewards Gold NPSL
8/14/2013 Marriott Rewards Premier CL $5k
3/19/2014 Chase Sapphire Preferred CL $5800
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

thom02099
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Location: Colorado, USA

Postby thom02099 » Wed Apr 16, 2014 4:49 pm

creditlearner10 wrote:Hello everyone. I have some questions on what my chances for getting any of the Amex cards are. I am 20 years old i opened my first card (Macy's) 2 years and 8 months ago with a credit limit of $2500. I have a Wells Fargo platinum college card that has a $2200 credit limit. Both of my cards are completely paid off after a long semester off from college. I also had a student loan of 3000 that's completely paid off. I never missed a payment on any of my credits and my current credit score is 745. My income also is $20,337 before taxes. I mainly want an Amex just for the rewards program and basically because it's seen as a status card. I am a college student and I'm very responsible with credit so i understand the difference between a credit card and a charge. So please tell me what my chances of getting approved for a green, gold, and platinum are. Thanks in advance.


The underwriting is reportedly the same for all three cards, meaning if you qualify for one you'll likely qualify for any of them. Determine which card meets your needs and what you're willing to pay in the way of an annual fee for that card. It's really that simple.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016



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