Do you think I will get approved for Gold?

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VisaSpeak
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Do you think I will get approved for Gold?

Postby VisaSpeak » Tue Feb 19, 2013 8:22 pm

Info:

Credit score 750-760 (used credit Karma to check)
Income: $60,000
Age: 21
Credit history: 1 year

Do I have a chance


plc44
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Postby plc44 » Wed Feb 20, 2013 1:50 pm

I think you'll get it. I got my green with less credit history and less income than you.
Discover More - $1000 (07/12)
Chase Freedom - $1000 (02/13)
American Express SPG - $2000 (08/13)
American Express Green Card - NPSL (12/12)

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djrez4
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Postby djrez4 » Wed Feb 20, 2013 2:02 pm

Probably, but why would you want it?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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Sevenfeet
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Postby Sevenfeet » Wed Feb 20, 2013 2:04 pm

Maybe. I was approved at age 23 with one year of history and making $35K. Of course this was 1989 and my previous card was a Amex Green card. But yes, I'd say it's possible.

SparkyinCA
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Postby SparkyinCA » Wed Feb 20, 2013 3:12 pm

Don't trust Credit Karma for your credit scores. There could be 100 pts difference or more since they are a FAKO score (fake score). Get your FICO scores (TU and EQ) and then we'll know if your scores are good enough to apply. To get an approximate score for EX the only FAKO score that seems to be close is Credit Sesame since you can't buy an EX FICO score. Amex pulls EX, so at least check Credit Sesame for a ballpark.

Keep us posted. Odds are your scores are high enough to get approved as long as you don't have a lot of INQ's or anything bad on your reports.

VisaSpeak
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Postby VisaSpeak » Wed Feb 20, 2013 4:52 pm

djrez4 wrote:Probably, but why would you want it?


honestly, Im not sure.

I thought creditkarma was your TU score?

AMEXPlatino86
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Postby AMEXPlatino86 » Wed Feb 20, 2013 5:31 pm

VisaSpeak wrote:honestly, Im not sure.

I thought creditkarma was your TU score?


Someone in the other forum said that it was based off of your EXP score. Is that true?


0_to_60
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Postby 0_to_60 » Wed Feb 20, 2013 5:50 pm

VisaSpeak wrote:honestly, Im not sure.

I thought creditkarma was your TU score?


creditkarma provides a fako score instead of a real fico score. If you want to see your fico score check myfico.com you wil pull equifax and transunion real fico score. This is what most lenders use.

VisaSpeak
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Postby VisaSpeak » Wed Feb 20, 2013 6:17 pm

I just checked my score on creditkarma a few days ago. I'll probably check again in a few months on Myfico..

But what advantages would an AMEX GOLD offer when compared to a card like Chase Freedom or Citi Forward?

bd07
 
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Postby bd07 » Wed Feb 20, 2013 10:21 pm

What do you want out of the Gold card? Unless you are going to use it just for the perks like extended warranty and roadside assistance, there is no reason you shouldn't go for the Gold Premier Rewards since it's additional rewards multipliers + the 25,000 sign-up reward (if you spend $2000 within 3 months) + the first year's fee of $175 if waived. The price per year after year 1 is only $50 more than the standard Gold's $125, and assuming you're ready to pay that amount, I wouldn't imagine another $50 would hold you back from a far better rewards card.

I got approved for Platinum myself and I'm only 20 - though I have had my own credit card since I was 18. With your yearly income and credit history, I don't see them turning you down for a gold card.



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