AMEXPlatino86 wrote:Well I mean it's not so much AmEx but also the fact that she "cheated"per se with have the Freedom attached to her account giving her six years worth of credit. Seems like a lot of people are cheating by being added as AU rather than building credit the old fashion way.
432521 wrote:Hey you do what you can to get where you want to be, she/he got lucky and got her dad to put her on as an AU
AMEXPlatino86 wrote:In certain situations you are absolutely right. Like I said there are people that are lucky to get to where they are. But the point was more of she's worried about the next CC and she hasn't even managed the ones she has right now (considering she just got the PRG) vs. Me where I went through the same thing and had to build my credit w/o piggybacking off of someone and still face rejection from credit companies from time to time. Not trying t personally attack them just saying that they are very "lucky" to have am AmEx and not to start worrying about which ones she should go for next considering her credit score.
blurbz wrote:Thanks to everyone for the comments! Definitely helpful, and I definitely agree: I shouldn't be applying for new cards and I do have objectively bad credit due to a charge off in my freshman year of college. I'm lucky to have the Amex, and I hope I can use it to help increase my score/continue to build my credit.
To the person who thinks I'm somehow "cheating" and already looking ahead to the next card: Respectfully, I disagree. I was added as an AU for emergency spending and so I could pay to get home more easily. I had no clue it would impact my credit and neither did my father. The fact that it does is not my fault. Obviously, the Fico model values people who are trusted by people who have good credit. Is this fair? Maybe, maybe not, but it's the way of the world. I AM lucky to be where I am--No doubt about it, but I didn't "cheat" to get here.
I'm also not just looking ahead to the next card. If you read my OP, you'll see that my primary question was whether I should apply for another card. I did not ask, as my primary question, which card I should apply for. In fact, I hadn't been planning on applying for ANY card--I just got the Amex mailing for the PRG and decided to give it a shot. My original plan had been to sit tight until the end of this year.
In any event, I'm happy to have the PRG and I'm not planning on making any other applications. I really appreciate the responses! Any additional advice anyone has for someone in my spot would definitely be helpful!
432521 wrote:I understand sorry if I came off as insinuating something towards you. I to wish that someone allowed me to "piggyback" off of them, but I didn't and was lucky that when I did decide to get a credit card it was a college one and waited a year to get the rest of the ones that I have now. Don't let rejections hurt you, I got rejected by Chase called them back for a recon and got a measly 500 limit. I worked on building a relationship with them and got a CLI. My limits are pretty low now, but when I got a job when I am done with college I'll work on upping all of my limits. I guess people like use who didn't get help can be proud that we did it all on our own.