I am a 21 year old college student with 2 credit cards:
- Chase Freedom (1/2 Year, CL: $1,500)
- Citi Forward Card (2 Years, CL: $2,100)
I am a full time student and I also intern full time (I make about $40,000 through my internship). I'm pretty independent, I pay my own tuition so seasonally so my spending is pretty high, especially with the tuition hikes here in New York. With that in mind, I wouldn't classify myself as a "struggling college student" either, I manage myself pretty well financially. I've never missed a single payment for any of my credit cards and have always paid my balance off in full. My main goal with the credits cards since I first opened my Citi Forward was to build my credit history.
Recently, I've been eyeing an American Express card and after reading the review for the AMEX Green (thanks for putting up such an insightful review!), I realize that for what the monthly fee is, I should just go ahead and apply for the AMEX Gold (Premiere possibly?). Given my situation and my financial circumstances, what do you all think my chances of getting the Gold are? What about the Gold Premiere? (Since my 2x credit cards are both Visa, I figure I'll get one more that is Master Card, add that with the AMEX Gold, and my credit score will be a lot more diversified.) It was only eye candy to me initially but after reading about all the perks, points, entertainment, the card is certainly promoting the kind of lifestyle I enjoy living.
Your opinions are greatly appreciated!