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American Express how long should i wait

New Member

American Express how long should i wait

im very new to this forums infact second post ever 

i recently got approve for discover it with a limit of 1500$  and have a kolhs credit card with a 300 limit since 4 months ago now how long should i wait

before i go for american express.

i like the american express gold card.. i always want it since i was like 14 lol Smiley Happy but i just recently started it on the whole credit thing 

so basically i have only 4 months of credit history  total

2 cards

discover 1500$

kohls      300$

 

sorry for my bad writing 

im trying get educated it Smiley Happy

Message 1 of 8
7 REPLIES
Member

Re: American Express how long should i wait

I would suggest waiting until your first card has been open for at least a year. American Express has higher requirements than other companies even if you're applying for the charge card. Show them that you can handle credit properly by doing well with your other cards.


Starting Score: 09/2012 635 EXP [myFICO]
683 EQ [myFICO] | 692 EXP [Lender] | 700 TRANS [Walmart FICO]

Current Scores are as of 08/2013: On my way to 700's. Too many Inquiries - In the GARDEN 08/2013
Message 2 of 8
New Member

Re: American Express how long should i wait

thanks for the advice 

i was thinking the same thing  so 1year ok  its not that long Smiley Sad 

Message 3 of 8
Super Contributor

Re: American Express how long should i wait


MRmarquez3417 wrote:

thanks for the advice 

i was thinking the same thing  so 1year ok  its not that long Smiley Sad 


Welcome to the forum

Charge cards are not that hard to get if you don't have any baddies and can garden for 9 months showing perfect payment history I think you would have a shot at that time

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 8
Epic Contributor

Re: American Express how long should i wait

Id apply now... bet you get it!

 

If not, go back and get it at a full 6 months of your Kohls.

Message 5 of 8
New Member

Re: American Express how long should i wait

yea ill wait the 9 months to  the year  before i go for american express 

 

thanks for the advice everyone 

Message 6 of 8
Super Contributor

Re: American Express how long should i wait


MRmarquez3417 wrote:

yea ill wait the 9 months to  the year  before i go for american express 

 

thanks for the advice everyone 


Wise move and good luck when you do pull the trigger on Amex

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 8
Senior Contributor

Re: American Express how long should i wait

I think a full six months of credit history might be okay.
Are you absolutely certain you have no other cred history?
No student loans? No AUs?
Check your report before you make any decisions.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 8