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Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: A new guy that needs advice

[ Edited ]

Elcid- But I have noticed other kids my age that 10-12k get approved for cards like the Delta Gold, Green, and even sometimes the Hilton card, and a few that get approved for Gold as well. That's why I considered going for it.

Scientifics- Thank you..lol. You think I should wait until after April? I was thinking that If I do not get approved for Chase or AMEX, I would try again at the end of next semester like end of may, and see what happens. Actually when I viewed my report, I did not see an inquiry from BOFA, I did see AT&T, Citi, and Discover, so a total of 3 inquries so far.

Web- One of the last reasons (other then the first 2-3 reasons) that I wanted to go for the Gold is because 1.) Because of the backdating 2.) Because I have heard on other boards and from others that I have talked to that there revolvers are harder to get then the Charge cards so hence I though charge should be easier to get. + I can justify the annual fee and that is the main reason why I would not go for the PRG either (annual fee would not be worth it.), should I go for the Green instead? or just forget AMEX for a while? I was going to go for the Zync in December if they still had it, but they discontinued it...oh well. And yeah I try to strategically app, hopefully 3 inquiries wont scare them away...lol.

Bahbahd- Actually I am 19, and I currently attend a community college. My dream is to work for the State Police or Highway Patrol one day when they start hiring again. I just go to school because I like to learn (I really dont want to school for any reason) and I can afford to. The 12k is from a second job I work at (more like a hobby) where I fix stuff (computers, and I can build them as well..) And I work as a server/ waiter (whatever term you prefer.) But I have seen others get an AMEX as well. One of my friends has about 10k in income (with roughly the same history as mine.) and he already has a Discover More, Chase Freedom, AMEX PRG, and a Penfed Cash Rewards card. But he is 21 however. I mean I think it would be worth a shot to apply.

JD- I thought both the Gold and the Green for the first year do not have any annual fee. And that was exactly my point, you never know until you app. The main reason why I really started this thread was because I wanted to help my chances of getting approved by them, what I should and shouldn't do. Now if I get denied for both, I'll just try to apply again at the end of next semester and see what happens, and then again there is always recon. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

X2Re: A new guy that needs advice

[ Edited ]

bump

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: X2Re: A new guy that needs advice

bumping again..lol.

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: A new guy that needs advice

You say that any advice, comments, or feedback is appreciated - and yet you continue to rebut each piece of advice that members are giving you. So instead of bumping, just tell us, what do you want to hear?

Your chances of approval will change over the next 3-6 months, so feel free to check back then for ideas about that. We can't predict the future right now.

Your plan obviously has holes given your income and credit history. But everyone has already told you that. So do you want more people to point out the flaws, or do you have new specific questions?

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: A new guy that needs advice

Snack- I just want to know what my chances are, plain and simple. If it works out and I get approved then great, if not I can wait. There are people on here that have much more expirence with credit cards and credit in general, so that's what I was looking for. I don't exactly want to rebut everything (that's not my goal in coming here.)  And what should I plan for, if anything I'd just need a plan to stick to, so that way when it comes time to apply for cards, I'd have a reasonable chance of getting them. That's all. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: A new guy that needs advice

Seems like you will app regardless of advice given here... Good luck!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: A new guy that needs advice

I guess so haha, I just wanted to gauge some responses here and see if it was a good idea or not, but yeah, I guess I'll see where I stand. If it doesn't work out then I'll try in a few months. At least it would be worth a shot. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: A new guy that needs advice

you miss 100% of the shots you dont take. 

 

those are your chances. 

 

 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
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Amex Zync(Unicorn)
Chase Freedom$1500
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Citizens Mastercard$7000
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: A new guy that needs advice

Agree with you Cash, I'll see what happens, and hopefully I will be one of the fortunate ones that will be approved and then no more cards for a little while. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.

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