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AMEX Gold Rewards APPROVED.

New Contributor

AMEX Gold Rewards APPROVED.

I decide to pull the trigger.... figured hell everyone else is getting an American Express card why not me. I went through the pre-selected app and the Gold,Green and Hilton were pre-selected for me so I went with the Gold Rewards and received the 60 second instant approval. 

 

I didn't think my scores were high enough but based on some commentary in this forum it looks like American Express uses it's own scoring, but still happy nonetheless.

 

Fico scores are TU 651, EQ 669 and EX I'm not sure because they don't offer it on myfico.

AAoA is 1 year and I make 19,000 a year ,no late payments ever and nothing derogatory. Reports are clean

 

 

 

Message 1 of 19
18 REPLIES
Frequent Contributor

Re: AMEX Gold Rewards APPROVED.

Congrats 5thWheel,

 

What was your longest account's age?  Do you have any installment loan?  How many credit card and how many inquiries?

Message 2 of 19
Valued Contributor

Re: AMEX Gold Rewards APPROVED.

Congrats


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 3 of 19
Regular Contributor

Re: AMEX Gold Rewards APPROVED.

Isn't there an annual fee for that card?


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Message 4 of 19
Valued Contributor

Re: AMEX Gold Rewards APPROVED.


jahmal wrote:

Isn't there an annual fee for that card?


Yes


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 5 of 19
New Contributor

Re: AMEX Gold Rewards APPROVED.

My longest account age is 17 years which was an old department store card I had back in the day. And I have an installment loan reporting for 4k that's paid off, as for cards I have 4 open accounts and 3 closed accounts and six inquires from early 2009 on my EX report.

Message 6 of 19
New Contributor

Re: AMEX Gold Rewards APPROVED.

Free for the first year....$125 thereafter, I'll probably end up doing a product change at some point before the year is up. Maybe Amex blue cash but we'll see.Smiley Wink

Message 7 of 19
Valued Member

Re: AMEX Gold Rewards APPROVED.

Congrats on your AmEx Gold Rewards Card!!




Starting Score: 680
Current Score: 700
Goal Score: 760


Take the FICO Fitness Challenge
Message 8 of 19
Valued Contributor

Re: AMEX Gold Rewards APPROVED.

Congratulations on your new card, although you will not be able to do a product change with this card, if you want a no annual fee card you have to do another app another inquiry with Amex.  I have the premier gold card and I want the blue card but holding off because of having to do another app.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 9 of 19
Frequent Contributor

Re: AMEX Gold Rewards APPROVED.

Don't put to much on the card otherwise they'll chase you with their famous AMEX credit review.

What's in your wallet?
-Not Capital One.
Message 10 of 19