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Amex charge AAOA 3 months??

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Anonymous
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Amex charge AAOA 3 months??

Greetings to the myfico community.

 

I would like to get in the door with Amex. I am leaning towards a charge card. A gold rewards card would be great but any one will do (green/gold)

I have 6 revolving accounts. 2 secured cards both with only $200 limits and 4 retail cards totaling $1350 in credit. No baddies on EX or EQ.  1 paid state tax lien on TU from 09

 

My oldest account is 7 months

Do u guys think I have a shot?? Has anyone had any success with such a short history and low credit limits?

 

Thanks

 

 

 

 

 

 

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??

The limits in my signature were mostly current when I apped for Green 2 months ago. I had 3 months history at that time. They requested Pay stubs or 4506-T since i didnt have a credit score. I was approved.

Message 2 of 9
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??

Good luck! Hope you get an approval.
Message 3 of 9
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??

Congratulations on your approval.
Currently i am at 20% utilization on 1 card. I will decrease that to 9% then apply.

Thanks
Message 4 of 9
rlx01
Established Contributor

Re: Amex charge AAOA 3 months??

Apply for the PRG.

It also really depends on your income.
Message 5 of 9
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??

Is there a standard income criteria?

Currently unemployed. Unemployment insurance = $2500 monthly
I have paystubs that show $45,000 earned in 2014

Im thinking this might be a issue.
Experian Fico 700
Message 6 of 9
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??


@Anonymous wrote:
Is there a standard income criteria?

Currently unemployed. Unemployment insurance = $2500 monthly
I have paystubs that show $45,000 earned in 2014

Im thinking this might be a issue.
Experian Fico 700

No real standard. They either ask for 4506-T (taxes for last year) or sometimes paystubs. They may not request anything. In my case, I didnt have a credit score, so thats why they requested. You should be good if you put 45k on the app. 15k is about their cutoff.

Message 7 of 9
Jarrodpd
Regular Contributor

Re: Amex charge AAOA 3 months??

Do they even ask for tax documents unless they are doing a FR? I told them I made under $10k a year and was approved for $2.9K on a HHonors card and then a week later approved for a PRG charge card. At one point it was saying my spending ability was $9K.

USAA Platinum Mastercard: $8000
American Express HHonors no AF: $12000
American Express Premier Rewards Gold: NPSL
American Express Platinum: NPSL
US Bank Cash+ Visa Sig: $5100|Chase Freedom: $7000|Chase Sapphire Reserve: $10000
Total combined CL:$42,100|Exp: 763(788Amex)|Equ: 759|Tu: 769 (04 May 2016)
Message 8 of 9
Anonymous
Not applicable

Re: Amex charge AAOA 3 months??

Only if you're under 21 I think
Message 9 of 9
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