Established Contributor
Posts: 615
Registered: ‎09-10-2012
Re: Declined for AMEX Green. Advice ?

pat0812 wrote:

I have a Wells fargo $300 secured card

Capital One Platinum (unsecured) $500

Walmart Store Card $400


Always PIF and i never go above 9% UTI

Never made a payment late, my report is clean


The only thing is that I have only 5 reported months on my report


So you all say i should wait till December and get my first score to see which card i should apply for ? What are my chances with the green or gold ?

Depends what follows after ZYNC. But in December you should be good to go for Green. 5 months was/is the problem. There should be at least one TL with 6 months reporting.


I would wait until December. The will most certainly pull all three cr, and if you are not approved in November ... Patience is your friend. I know it is hard. But December will still give you 2012 for backdating later.


Amex Platinum | Amex BizGold | Discover IT | Amex BCE | Citi DCB | Chase Ink | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | US Bank Business Edge | Chase Freedom | Walmart | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 760/780/780 - Total CL 200+K