How many times have you applied for Amex before getting approved?

**SparkyinCA** · Jan 23, 13, 11:19 pm

I'm just curious, how many times did you have to apply before you were approved for your dream Amex card or cards?

Every 30 days?
Every 2 months?
Every 6 months for years or ?

What was your pattern for applying before you finally got approved and your scores once you got approved? What's your story? Why you wanted one or more so badly?

And was it worth all the waiting and stressing for the card(s)?

Please share your experiences good and bad

**paparoach429** · Jan 23, 13, 11:54 pm

I was approved on my first go around for the green card with scores just under 700, 1- 30 day late almost 2 years ago, under 10% utilization and aaoa of just under 2 years.

**Fartanywherecard** · Jan 24, 13, 6:03 am

Originally Posted by paparoach429

I was approved on my first go around for the green card with scores just under 700, 1- 30 day late almost 2 years ago, under 10% utilization and aaoa of just under 2 years.

That sounds reasonable. Is that because they are more likely to approve for a charge card over a credit line? Does upgrading to Gold or Plat require an add'l inquiry or different acceptance criteria, or is it more dependent upon whether the consumer is willing to pay the high annual fees or not?

**Robrus1** · Jan 24, 13, 6:29 am

Originally Posted by Fartanywherecard

That sounds reasonable. Is that because they are more likely to approve for a charge card over a credit line? Does upgrading to Gold or Plat require an add'l inquiry or different acceptance criteria, or is it more dependent upon whether the consumer is willing to pay the high annual fees or not?

It is indeed easier to be approved for a charge card than a revolver. I think for most people the annual fees are what the issue is with charge cards.

The first time I applied, I applied for Blue from AmEx on a whim without really knowing much about AmEx other than they were pretty prime cards. I was just getting interested in the world of credit. I applied for it thinking I probably wouldn't be approved, but I got instant approval with a 5K limit. A month later I called them to get my PRG for the signup bonus, and was instantly approved for that as well. Looking back, I think maybe the reason I applied for it is because it seemed hard to get and somewhat fancy, and I just thought, ah what the hell, I'll give it a shot. AAoA was about 3 years. Score they pulled was 730 something.

**Fartanywherecard** · Jan 24, 13, 7:28 am

That's how I feel too. Although I am pondering the benefits of the PRG vs. Sapphire Preferred, I like the *idea* of the PRG better and I think I have better chances for approval.

**jrv** · Jan 24, 13, 7:33 am

I was approved on my first try for the Green card my freshman year of college. I knew how prestigious the company was thought of at the time so I was surprised that I was approved. Or it could have been the excited look on my face at the thought of getting a free tee shirt and water bottle for applying that the agent gave me a pass. I've since upgraded to Gold & I have a Blue card. Credit scores are 750, 750, 768.

**sakhalin** · Jan 24, 13, 10:29 am

Instant approval for my first Amex, the BCE. I kept my utilization down from my other cards and applied before my Discover reported so my AAoA wasn't as low as it should have been.

**Preferred Member** · Jan 24, 13, 11:45 am

An Amex Gold invitation was sent to me so I applied and was approved instantly.

**Calipso** · Jan 24, 13, 12:38 pm

I applied once a year from 2004-2010. Finally got accepted in 2010. One negative on my report kept them away for years. As soon as it dropped, they welcomed me with open arms and a $8,400 credit line.

**Rory** · Jan 24, 13, 9:27 pm

i applied once to try and get a zync way back in the beginning of '12. got denied. then went and got a BOA card and waited till june, had 6 months history with 11% utilization and scores around 680. Got instant approval and gonna enjoy cardmembership for the rest of my life

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How many times have you applied for Amex before getting approved?