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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
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.
@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.
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.