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Will I qualify for the AMEX Green Card?

New Member

Will I qualify for the AMEX Green Card?

TransUnion 756; Equifax 770; Experian 741.

 

Message 1 of 21
20 REPLIES
Valued Contributor

Re: Will I qualify for the AMEX Green Card?

scores is not the only thing you need.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 21
New Member

Re: Will I qualify for the AMEX Green Card?

What else do I need?

 

Message 3 of 21
Established Contributor

Re: Will I qualify for the AMEX Green Card?


Scriabin wrote:

TransUnion 756; Equifax 770; Experian 741.

 


If scores were the only deciding factor, then yes. Unfortunately this is not the case. 

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 4 of 21
Moderator

Re: Will I qualify for the AMEX Green Card?

I am guessing those are FAKO scores (nothing to do with a lender approval); however, you probably have few if any blemishes on your report, and if you have at least six months reporting on a credit card you have a reasonable chance.

If you post a little more of what your report looks like we can make a better assessment.

Welcome to the forums though!
Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 5 of 21
Valued Contributor

Re: Will I qualify for the AMEX Green Card?

Do you currently have any other credit cards?

 

How long have you had them?

 

AMEX likes to see at least 1 years history with multiple credit cards.


Starting Score: EQ 653 6/21/12
Current Score: EQ 703 8/5/17 - EX 743 8/5/17 - TU 731 8/5/17
Message 6 of 21
Established Contributor

Re: Will I qualify for the AMEX Green Card?

Some of the usual info needed to get a good picture is average age of accounts,  # of inqs, utilization and it also helps if you have previous good payment history with them.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 7 of 21
New Member

Re: Will I qualify for the AMEX Green Card?

I applied. They are asking that I call to speak with a representative. Apparently, they need a business phone number and home address verification. Is this a good sign?

 

Message 8 of 21
Frequent Contributor

Re: Will I qualify for the AMEX Green Card?


Scriabin wrote:

I applied. They are asking that I call to speak with a representative. Apparently, they need a business phone number and home address verification. Is this a good sign?

 


Yes. Home address can be verified through your bank. 

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 9 of 21
Frequent Contributor

Re: Will I qualify for the AMEX Green Card?


jamie123 wrote:

Do you currently have any other credit cards?

 

How long have you had them?

 

AMEX likes to see at least 1 years history with multiple credit cards.


Not necessarily.  They approved me for the Green card with only 5.5 months history, and I only had 1 card.  My income isn't high, either.

 

At any rate, OP, it sounds like once they verify your employment and address you'll be good to go!

 

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 10 of 21