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New Member
Posts: 8
Registered: ‎07-23-2013
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Apply for Amex green or gold?

The annual fee difference doesn't bother me, . . I definitely want the Gold, but don't want to be denied when i could have gotten the Green. My question is if there is a big difference between them, approval-wise. Here are my current EX stats, assuming they pull from there.

Approximate score 680-712
AAoA1.5 years
2 open credit cards with nearly 1.5 years on first one 8 months second one perfect history
Leasing a car with 15000 debt with a cosigner
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Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
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Re: Apply for Amex green or gold?


Joacko66 wrote:
The annual fee difference doesn't bother me, . . I definitely want the Gold, but don't want to be denied when i could have gotten the Green. My question is if there is a big difference between them, approval-wise. Here are my current EX stats, assuming they pull from there.

Approximate score 680-712
AAoA1.5 years
2 open credit cards with nearly 1.5 years on first one 8 months second one perfect history
Leasing a car with 15000 debt with a cosigner

Same requirements for underwriting so if you want gold go for it :smileyhappy:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Moderator
Posts: 26,770
Registered: ‎09-13-2012
0

Re: Apply for Amex green or gold?

Green or Gold same UW ; app for the card you want.

Good luck!
New Member
Posts: 8
Registered: ‎07-23-2013
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Re: Apply for Amex green or gold?

I forgot to tell i have 6 inquires the last one was in january
Established Contributor
Posts: 635
Registered: ‎07-03-2012
0

Re: Apply for Amex green or gold?

Check out the PRG for the sign up bonus and extra rewards. You can always PC to Green or Gold to avoid the higher AF if it's not worth it. 


Regular Contributor
Posts: 239
Registered: ‎11-25-2012
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Re: Apply for Amex green or gold?


D-Wall wrote:

Check out the PRG for the sign up bonus and extra rewards. You can always PC to Green or Gold to avoid the higher AF if it's not worth it. 


This - the PRG offers the best ways to earn MR, so I'd go with that one.


Building the perfect card portfolio, one app at a time.
Available credit: $60+k - INQs: 1 TU, 1 EX, 0 EQ
Discover TU 1/15: 772 Quizzle EQ: 1/19/15: 776
CK: 796 1/19/15 & CS: 771 1/19/15
Planned apps: NONE! Gardening indefinitely! - Palladium Spade 1/14/15
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Apply for Amex green or gold?

As others said, Green/Gold have same approval requirements.  PRG is more difficult on the other hand.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Contributor
Posts: 92
Registered: ‎02-28-2013
0

Re: Apply for Amex green or gold?

What about Platinum?

 

An Amex is my goal card and with the travel I'm currently doing, I can make the perks numbers work in my favor to offset the annual fee.

 

So is UW the same across all their charge cards?

 


Starting Score: 640 TU / 593 EQ / 596 EX (3/1/13)
Current Score: 695 TU / 725 EQ / 673 EX (11/7/13)
Goal Score: 720 across the board


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Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Apply for Amex green or gold?

+1. Same requirement as green so just depends on your flavor :smileywink:


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LAST APP: 08/20/2013
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