trying to see if ill be approved for AMEX gold

[mikemogadas]

Currently have a score of 715 on my experian...$0 balance through out my cards... have 7 inquiries in the past 2 yrs.  an authorized user on a 10k cc limit. no other open cards. was wondering if you guys think i would be approved for an AMEX card before doing an application, dont want to ruin another inquiry.

thanks,

Mikel

[myjourney]

Welcome to the forum

[Swapmeet]

It is a maybe. Do you have any negatives on your credit? You should really establish your credit file with a card or two before shooting for the big dawgs. They like to see responsible use of credit -- not so much non-use.

PS. How can you have a 0 balance throughout your cards, and also not have any cards?

[mikemogadas]

no negative stuff. according to my report, only bad things are more than 5 inquires and length of accounts are short

[mikemogadas]

sorry what i meant was have paid off all my closed accounts, non of them have a balance.

[09Lexie]

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@Swapmeet wrote:

It is a maybe. Do you have any negatives on your credit? You should really establish your credit file with a card or two before shooting for the big dawgs. They like to see responsible use of credit -- not so much non-use.

PS. How can you have a 0 balance throughout your cards, and also not have any cards?

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+1

[myjourney]

What are your closed accounts?

[mikemogadas]

just regular CCs, 

[myjourney]

CC that you closed or just balance is $0?

[mikemogadas]

ok pretty much the only thing that i have active on my report right now with a balance is my school loan, and another CC which im an authorized user of . everything else is closed with a $0 balance