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Will I get approve for a Amex card

New Member

Will I get approve for a Amex card

I am 20yrs old with $6500 credit line between two cards and $0 balance becouse i pay them off every month i do not carry a balance, and a 41k auto loan.
All accounts have 2 yr history
Never late never.

I wanted the American express green does anyone think I should applie??
45 REPLIES
New Contributor

Re: Will I get approve for a Amex card

Any idea what your scores look like?  That would help us tell you.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Valued Contributor

Re: Will I get approve for a Amex card

Is your auto loan brand new? How does that affect your DTI? I was approved with a shorter AAoA and smaller total available credit line between 3 cards, with one old baddie reporting.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


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New Member

Re: Will I get approve for a Amex card

I check it a few months back the high was 710 the low was 680
New Contributor

Re: Will I get approve for a Amex card


ChinoMix wrote:
I check it a few months back the high was 710 the low was 680

FICO or FAKO and what CRA?

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
New Member

Re: Will I get approve for a Amex card

This is my 2nd auto loan I traded my fist vieichal after 12monhs.
This 1 is about 1st viehical amount Finance $21k.. 2nd $41k
New Member

Re: Will I get approve for a Amex card

It was a freescore.com I'm not sure...
New Contributor

Re: Will I get approve for a Amex card


ChinoMix wrote:
It was a freescore.com I'm not sure...

I believe they give out Vantage scores, which are FAKOs..

 

I think you can apply for a Zync, but I can't say for sure if you'd get a Green.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Frequent Contributor

Re: Will I get approve for a Amex card

Why zync and not green (or gold)?

TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700
New Member

Re: Will I get approve for a Amex card

To me it dosent really matter. I would be happy with any card from Amex.