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Will I be approved for a AMEX GOLD?

Frequent Contributor

Re: Will I be approved for a AMEX GOLD?

Go for it, Amex have been approving left and right lately.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Message 21 of 40
New Member

Re: Will I be approved for a AMEX GOLD?

I just went ahead and applied for the GOLD, and got approved!! tried to do the vlue cash afterwards but she told me they will run a hard inquiry again so got over it, anyways really happy right now! wanted to thank everyone!

Message 22 of 40
Regular Contributor

Re: Will I be approved for a AMEX GOLD?


mikemogadas wrote:

I just went ahead and applied for the GOLD, and got approved!! tried to do the vlue cash afterwards but she told me they will run a hard inquiry again so got over it, anyways really happy right now! wanted to thank everyone!


Nice!!

 

I would call back and talk with someone else about the Blue Cash CC.  I don't see why they would run back to back hard inqs,  I did the exact thing just yesterday and they only ran 1 hard pull on each EX, EQ, and TU and were able to aprove both cards. 

 


Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


Take the FICO Fitness Challenge
Message 23 of 40
Established Contributor

Re: Will I be approved for a AMEX GOLD?

First, I think OP would easily be approved for a PRG (check out the current 50k MR for 1k spend offer going around).

 

Second, the pulls AMEX makes are unpredictable. My partner and I have an identical CR at all 3 CRAs. I was double pulled in SF (EX + TU) for a single PRG app. She was single pulled (EX) for a PRG + SPG. We have the same individual income.

 

As always, YMMV.

Message 24 of 40
Super Contributor

Re: Will I be approved for a AMEX GOLD?

Did u app for the blue cash or just the gold in the end?

Vegaskyle: how many HP did they pull for u? Which credit card did you apply for? Did you do it over the phone or online?

Thanks!
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 25 of 40
New Contributor

Re: Will I be approved for a AMEX GOLD?

Congrats! See nothing to worry about Smiley Wink

Message 26 of 40
Regular Contributor

Re: Will I be approved for a AMEX GOLD?


enharu wrote:
Did u app for the blue cash or just the gold in the end?

Vegaskyle: how many HP did they pull for u? Which credit card did you apply for? Did you do it over the phone or online?

Thanks!

I originally applied for just the Green Charge Card on 2/1 and was denied.  They pulled all 3 at that time but only listed Experian on the denial letter.  Basically havening no open tradelines and no score was the reason given.  I was approved for a Wels Fargo Visa card on 1/31 and it reported to Experian on 2/20.  I called AMEX yesterday and gave the CS rep the "tracking number" on my denial from 2/1 and told him I now had a tradeline and a score from Experian.  I re applied for the Green charge card and was approved and asked CS to process my application for the Gold Delta CC too, I was approved.  They hard pulled all three one time for both the Green and Gold Delta CC yesterday. All over the phone. 


Starting Score: EQ 599, TU 577
Current Score: EQ 703 9/20/14(HI 741 on 5/13), TU 690 10/1/14 (HI 751 on 5/13), EX 700 10/1/14
Goal Score: 750+


Take the FICO Fitness Challenge
Message 27 of 40
Mega Contributor

Re: Will I be approved for a AMEX GOLD?


teddybearkelli1 wrote:

They are definitely not inquiry sensitive, you should fine to go for the gold. Smiley Happy


That is definitely YMMV. Amex will decline for INQ's if alot are recent.

 




EQ FICO 548 3/3/16
Message 28 of 40
Super Contributor

Re: Will I be approved for a AMEX GOLD?

So if I apply for the PRG, got approved.... And I apply for the blue cash, if denied, is it going to be a soft pull or another hp?

I have 4 inquiries in the past month due to an auto loan. That's prolly gonna screw me over Smiley Sad
Thanks!!!
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 29 of 40
Valued Contributor

Re: Will I be approved for a AMEX GOLD?


enharu wrote:
So if I apply for the PRG, got approved.... And I apply for the blue cash, if denied, is it going to be a soft pull or another hp?

I have 4 inquiries in the past month due to an auto loan. That's prolly gonna screw me over Smiley Sad
Thanks!!!

Just depends on AMEX, they are all over the place on this.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 30 of 40