Will I be approved?

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homer718
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Will I be approved?

Postby homer718 » Fri Nov 02, 2012 1:00 pm

I was recently approved for the Amex Blue card 8kCL. I don't have a credit card on my report (haven't had a card for over 7 years)

Applied for the Amex Premier Rewards Gold as well and it's still processing. They are using the same 4506-t form and credit report to verify my income ($110k).

What are my odds? I would like a charge card in addition to the blue card. Here are my stats:

Equifax 738
Transunion 720
Experian 730

1 student loan for $12k paid in full, no late payments from 2003
1 judegement paid in full for $2800 from 2005

About 3 inquiries

Thanks guys


cashback
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Postby cashback » Fri Nov 02, 2012 1:32 pm

With your income and already been approved once by Amex, I think you will get approved no problem.
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djrez4
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Postby djrez4 » Fri Nov 02, 2012 1:45 pm

You may already be approved! (imagine me saying that it a skeezy late night infomercial voice)

Amex lets you check application status online - https://www262.americanexpress.com/eaol/welcome.do
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homer718
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Postby homer718 » Fri Nov 02, 2012 2:02 pm

djrez4 wrote:You may already be approved! (imagine me saying that it a skeezy late night infomercial voice)

Amex lets you check application status online - https://www262.americanexpress.com/eaol/welcome.do


Mmmmmm.... still processing. :)

homer718
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Postby homer718 » Fri Nov 02, 2012 2:03 pm

When my status online says Approved. Is it 7-10 days from that day or 7-10 days after I get an email confirmation saying my card has been shipped?

homer718
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Postby homer718 » Mon Nov 05, 2012 3:11 pm

Application is still processing... although it now says cancelled. Spoke to them once again and they said they have applied my tax forms from the blue application to the gold card. I guess it's just a matter of when the specialist gets it in front of him. I feel like I should stop bugging them everyday about it. We'll see what happens. Can't wait to stop using my debit card and start racking up points.

Btw, when I applied over the phone I was told the premier gold card + the regular blue card are a great combination because the points on my blue card will be upgraded. Sounds good to me, any thoughts?

homer718
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Postby homer718 » Wed Nov 07, 2012 7:04 pm

Just talking to myself at this point :)


homer718
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Postby homer718 » Wed Nov 07, 2012 7:12 pm

So I was approved for the green card which was another card I applied for at the same time. They must have screwed up when I spoke to them over the phone and applied my tax record to the green instead of gold. Now finally my premier gold application is processing. I hope they approve it as the rewards are way better. Would they approve you for both charge cards? I would only activate the gold.

Jslimm1985
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Postby Jslimm1985 » Wed Nov 07, 2012 8:44 pm

homer718 wrote:So I was approved for the green card which was another card I applied for at the same time. They must have screwed up when I spoke to them over the phone and applied my tax record to the green instead of gold. Now finally my premier gold application is processing. I hope they approve it as the rewards are way better. Would they approve you for both charge cards? I would only activate the gold.


Once you're approved for one charge card, with a little bit of payment history and aging of the account you should be able to get anything up to a platinum.

Ultimately, yes. I've seen people hold multiple charge cards with Amex.
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homer718
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Postby homer718 » Wed Nov 07, 2012 9:01 pm

Jslimm1985 wrote:Once you're approved for one charge card, with a little bit of payment history and aging of the account you should be able to get anything up to a platinum.

Ultimately, yes. I've seen people hold multiple charge cards with Amex.


I would think if I was approved for a green, I could be approved for gold and plat. Just bigger annual fees. I just hope that being approved for green already doesn't interfere with their decision. I'm really looking forward to the 25k pts



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