Think I will qualify for the Green?

**irvine801** · Jan 19, 12, 4:55 pm

hey everyone! ive been really wanting the green charge card. any tips? my EX is about 640 i wanna say and im at about 48 util. no baddies at all but i only have a year of cred history. any thoughts? thanks!

this is what i have so far. and im 20.

discover more. 4000 limit. about 1800
chase freedom, 1000 limit always pif.
citi diamond preferred. 1500 limit, almost maxed for a bal trans.
best buy store card 1500 limit.

thanks again!

**ivotedale** · Jan 19, 12, 8:26 pm

From what you have now, I'd say you're in the clear, especially with that Discover/Chase combo.

On the other hand, not sure how many inquiries you've had thus far, but there's a slight chance you'd be docked for too many new accounts, and possible balances on current cards (if you have any now).

Otherwise the green charge card is somewhat an easier card to obtain from the information here on the forum. Best of luck!

**ooxs** · Jan 19, 12, 9:27 pm

At 640 you have a 7% chance of approval. If you wait, make six months of on-time payments and lower your balance, your score will be in the 660 to 670 increasing your chance to about 50%.

My take? Dont waist the hard pull if you can wait but it your call.

**irvine801** · Jan 20, 12, 8:37 am

Yeah I'm totally surprised I have the discover and Chase but I've been good with them and have never paid even a day late on anything, I'm really anal about that lol. But I am high in inquires as well because I did move out on my own a year ago. But I may just wait then in that case. With my score I wanna say I'm about at 700 plus score which I know no one uses... But fico I wanna say roughly 640. Well thanks guys!!

**CC Deville** · Jan 20, 12, 2:30 pm

Amex charge cards are easier to get than the credit cards. I wouldn't worry about the 640 as much as you should worry about the 48% utility.

You have the whole year to be a Member Since 12, so I would wait until you get to 30% utility.

**irvine801** · Jan 20, 12, 8:26 pm

Ok yeah that's not a bad idea. Well I had applied for a zync card and they denied me because my fico was too low. But I may just focus on paying my bigger balances first.

**ooxs** · Jan 20, 12, 10:42 pm

That's ok, don't sweat it.

Like i said in 6 months and 660s/670s, you will be paying for the drinks with your American Express.

**irvine801** · Jan 23, 12, 8:44 am

Drinks are me once I get it then! Lol

**ooxs** · Jan 23, 12, 9:27 am

We are going to take you up on that offer. (Keeping fingers crossed for the next six months)

**irvine801** · Jan 24, 12, 12:15 pm

For sure!! Haha. I just thought of something, zync easier or Harder then green?

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Think I will qualify for the Green?