Chances of getting an AMEX

[hockey16z]

---

@parakleet wrote:

---

@hockey16z wrote:

---

@09Lexie wrote:
Which Amex are you looking at? Charge or revolver?

---

Not sure what the difference is, sorry, whatever I could get 

---

I agree with the others that with your short history and the fact that you had to recon for the freedom, your odds of getting approved for an amex isn't great. But assuming that you have no baddies, low inq's, YMMV here.

However, I would recommend that you research a little more about Amex and the card you actuall want before apping. Not knowing the difference between a charge card or a revolver is kind of a big deal.

---

OK I did some reading and I think a charge card I have to pay in full every month, which is what I'd do either way, correct?

[ezdoesit]

---

@hockey16z wrote:

---

@parakleet wrote:

---

@hockey16z wrote:

---

@09Lexie wrote:
Which Amex are you looking at? Charge or revolver?

---

Not sure what the difference is, sorry, whatever I could get 

---

I agree with the others that with your short history and the fact that you had to recon for the freedom, your odds of getting approved for an amex isn't great. But assuming that you have no baddies, low inq's, YMMV here.

However, I would recommend that you research a little more about Amex and the card you actuall want before apping. Not knowing the difference between a charge card or a revolver is kind of a big deal.

---

OK I did some reading and I think a charge card I have to pay in full every month, which is what I'd do either way, correct?

---

The criteria for a charge card approval are lower.  That being said, do you want a charge card just so you can start a relationship with Amex at an early age?  For what your disposal income is right now I don't think it is financially prudent to get one because of the higher than normal AFs.  Like some people have said why don't you wait a year or so or until you are finished with school to apply.  Amex is not going anywhere.  Just because you can get a particular card doesn't mean you should I guess though that is up to you to decide we can only just give our opinion.

[tcbofade]

A charge card is one that you HAVE to pay in full every month.  Yes, that is correct.

A credit card (revolver) you SHOULD pay in full every month, but you CAN carry a balance from month to month.

[hockey16z]

Makes sense and yeah I'm just gonna wait a year.

Thanks everyone

[09Lexie]

In that case, let me extend an invitation to join the Garden Club.

[myjourney]

---

@09Lexie wrote:
In that case, let me extend an invitation to join the Garden Club.

---

IIRC 

I advised against going for the Amex at this time and OP had joined the garden

[CreditScholar]

With an income that low, you don't really need an Amex nor should you get one right now. You're not even sure what you're looking for yet, so I'd echo the other posters in saying that you should wait and do some research. As a general rule, given your income level you should avoid cards with AFs unless you're only getting them for signup bonuses.