Discover and Amex

[Guyx79]

Hi every1 i been using myfico website for almost 2 years now.  Credit scores in the 650-700.  I have 2 lates on my report dating within 2 years.  Income is about 30000.  So i decide to apply for Discover and Amex to try to see what happen.

Discover Card deny me but approve for a HSBC discover card? i decline that card

Amex approve me.......(yes im in shock too)  say i will recieve card in mail so i can activated it ( no clue on credit limit )

Just wanted to say if your credit history clean, good thing can happen....

Now i just needed to figure out whether i should activated this card....i better finish reading the fine print on this Amex card.  Wish me Luck

[Uborrow-Upay]

Good luck, Guyx79!

Let us know what happens!

[DI]

Congrats! You should still work on getting the Discover card in the future.  It really is a great card to have in your portfolio. You did right to decline the HSBC Discover card. 

[bakalao2k]

What kind of AMEX did you get?

[Guyx79]

The green one. I believe tat is the standard one.  AMEX preferred reward green card.  Is tat a good card btw anyone know lol.. Its say it wavied the first annual fee (95 dollar)  and give point.  Anyone ever have problem with them?

[JMN]

---

@Guyx79 wrote:
The green one. I believe tat is the standard one.  AMEX preferred reward green card.  Is tat a good card btw anyone know lol.. Its say it wavied the first annual fee (95 dollar)  and give point.  Anyone ever have problem with them?

---

You won't have a limit, then. Green, Gold, Platinum, Black, and Zync from American Express are all charge cards, thus, they do not have a "pre-set" spending limit.

They do have an "exposure limit," however, which is essentially their limit. They won't officially tell you what it is, however. You can call in and ask if a charge of x amount would be approved, however.

And I haven't had any issues with American Express. I've been very happy with their service, thus far.