So the big question on my mind is.. can I get an American Express? I know the answer is "not right now", I just want to know how long I have to wait.
I am 19 years old, my only credit history is a credit builder loan I took out (and paid off already) and an auto loan that I've made about four payments on. I also just recently got a Platinum Mastercard from my local credit union.
My annual income right now is about $13,000 (since I'm a full-time student). I already applied for the Green Card, but was declined (for obvious reasons). I don't pay rent or a mortgage, my only debt right now is the auto loan I have--not even any student loans! I have about $9,000 in savings right now.
So....am I totally kidding myself in thinking I could get an American Express? Btw, the credit score they pulled was from Transunion and it was 652. That's strange, since the day before I looked at my Transunion report and saw my score was 674; still not good, I know. My experian score was 700, and that was the same day I applied for the Green Card.