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Thinking of amex gold

Established Member

Thinking of amex gold

I am thinking of going for the gold. I am pre-selected for the green and gold. Would I have a good chance? I have a balance on 4 of my 6 cards and one of them is 50% util my plus score is 725.  I would like the BCE but I am not pre-selected I don't want to risk it.


Starting Score: 579
Current Score: 713
Goal Score: 720


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Message 1 of 22
21 REPLIES
Frequent Contributor

Re: thinking of amex gold

Go for GOLD!!!!  PRG if you can... it's well worth it.  I got in with lower scores and higher balances than you.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 2 of 22
Established Member

Re: thinking of amex gold


qc-ttns wrote:

i am thinking of going for the gold. i am pre-selected for the green and gold. would i have a good chance? i have a balance on 4 of my 6 cards and one of them is 50% util my plus score is 725.


You should be fine with a 725. What is your total util overall? I would also go with the PRG and not just the reg gold card. It's not much more and you get a lot more points. If you would be approved for the gold you will be approved for the PRG.

Message 3 of 22
Established Member

Re: thinking of amex gold

20% overall utili. i would like the prg but they only offered those two. if i apply for the prg and get denied would i be able to go for the regular gold?


Starting Score: 579
Current Score: 713
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 22
Established Member

Re: thinking of amex gold


qc-ttns wrote:

20% overall utili. i would like the prg but they only offered those two. if i apply for the prg and get denied would i be able to go for the regular gold?


20% overall and a 700+ should be fine. If you get turned down for the PRG you cannot apply again for 30 days. However I'm 99.9% sure the Green, Gold and PRG have the same underwriting maybe even the Platinum some say. It's up to you what you would like to do. You could also apply for the Gold and if you get it right away apply for the PRG and you should also get it and just never activate the gold to be safer.

Message 5 of 22
Established Member

Re: thinking of amex gold

i applied for the gold and got approved. "happy dance" if i dont activated would it show up on my credit report? i didnt know you didnt have to activated Man Surprised will they pull twice?


Starting Score: 579
Current Score: 713
Goal Score: 720


Take the FICO Fitness Challenge
Message 6 of 22
Established Member

Re: thinking of amex gold

If you do it today it will not pull twice. I got 4 Amex cards with just one HP. If you get the PRG you dont have to activate the gold and after about 90 days it will just go away.

Message 7 of 22
Established Member

Re: thinking of amex gold

can i apply for the bce without a HP?


Starting Score: 579
Current Score: 713
Goal Score: 720


Take the FICO Fitness Challenge
Message 8 of 22
Established Member

Re: thinking of amex gold


qc-ttns wrote:

can i apply for the bce without a HP?


I would think so as I got a charge, starwood and delat with one HP.

Message 9 of 22
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Established Member

Re: thinking of amex gold


qc-ttns wrote:

can i apply for the bce without a HP?


Keep in mind if turned down you can not re apply for 30 days. So if you want the PRG get that you have almost a 100% chance of getting it.

 

Let me know how it goes. Smiley Happy

Message 10 of 22