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Hi there,
I am looking to apply for the Amex Gold Charge card and I am wondering what the requirements may be in terms of score. I have a score of 730 but a credit file that has only been open for a year. I meet the income requirements but I am afraid of denial due to my length of credit history. Should I call a CSR to bypass the online application. I don't want a hard inquiry on my report that ends up being useless.
@Anonymous wrote:Hi there,
I am looking to apply for the Amex Gold Charge card and I am wondering what the requirements may be in terms of score. I have a score of 730 but a credit file that has only been open for a year. I meet the income requirements but I am afraid of denial due to my length of credit history. Should I call a CSR to bypass the online application. I don't want a hard inquiry on my report that ends up being useless.
whats the required income for the Amex Gold? where is your source from?
Amex uses different criterias to approve the cards. My suggestion apply and see what they.
I got approved for the Delta Gold credit card with only a year and a half history. 730 FICO at the time. With only a year history you WILL get approved for the Gold Preferred Charge Card. Its not that hard to get. Let us know how it goes.
@Anonymous wrote:Hi there,
I am looking to apply for the Amex Gold Charge card and I am wondering what the requirements may be in terms of score. I have a score of 730 but a credit file that has only been open for a year. I meet the income requirements but I am afraid of denial due to my length of credit history. Should I call a CSR to bypass the online application. I don't want a hard inquiry on my report that ends up being useless.
you can also try going to the pre-selected website and give it a shot, it is a soft pull, but if they pre- select you it means you have a60% chance of getting it(since its a soft pull, we can not assume you are going to get approved.)