topic Re: Amex Green Card again... in Credit Card Applications

Amex Green Card again...Updated

Skye12329 — Wed, 26 Nov 2014 10:00:57 GMT

So got another mailer for their Green Card (2 this week) wheer its spend $1000 and get 25,000 points. I would like to get in with Amex, because i would like to get the ED card. However i know i dont qualify for that. At least im pretty positive, EX score is high 600's. I am wondering should i get my foot in the door? I dont suppose i can PC this charge if i no longer need it correct? Also one last question, are the points movable like Chase points? Where i can move my points from Freedom to CSP. So in other words can i move the charge card points to the ED card? Or is it just 1 pool of points?

Re: Amex Green Card again...

chalupaman — Wed, 26 Nov 2014 03:29:11 GMT

@Skye12329 wrote:
So got another mailer for their Green Card (2 this week) wheer its spend $1000 and get 25,000 points. I would like to get in with Amex, because i would like to get the ED card. However i know i dont qualify for that. At least im pretty positive, EX score is high 600's. I am wondering should i get my foot in the door? I dont suppose i can PC this charge if i no longer need it correct? Also one last question, are the points movable like Chase points? Where i can move my points from Freedom to CSP. So in other words can i move the charge card points to the ED card? Or is it just 1 pool of points?

Just go for the ED card. I think you'll be fine.

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 03:42:41 GMT

Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's

Re: Amex Green Card again...

CreditCuriosity — Wed, 26 Nov 2014 03:43:39 GMT

People are starting to report ED approvals at 650 credit scores. I think they honestly have loosened it up a bit.... No hard proof except a few approval threads about it and there scores. I say go for it, you might be suprised if you are in the 660-680 range on ex.

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 03:56:43 GMT

@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's

Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 06:40:31 GMT

Well i think i might apply for the EDP card, just waiting for my partner to get home to help me. Sadly i dont make any credit decisions without him. However once he heard the points can be redeemed on ticketmaster (hes a big hockey person) he is like well this might change everything.

Re: Amex Green Card again...

SunriseEarth — Wed, 26 Nov 2014 06:47:49 GMT

if you want the ED, apply for the ED. If you don't get approved, try applying for the Green or any other charge card on the same day. Hopefully, you'll luck out and get the two-fer single HP

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:04:46 GMT

@SunriseEarth wrote:
if you want the ED, apply for the ED. If you don't get approved, try applying for the Green or any other charge card on the same day. Hopefully, you'll luck out and get the two-fer single HP

Its a possibility it could be 1 HP even if the ED card is declined?

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 07:08:31 GMT

@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish

UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.

Re: Amex Green Card again...

SunriseEarth — Wed, 26 Nov 2014 07:11:22 GMT

@Skye12329 wrote:
@SunriseEarth wrote:
if you want the ED, apply for the ED. If you don't get approved, try applying for the Green or any other charge card on the same day. Hopefully, you'll luck out and get the two-fer single HP
Its a possibility it could be 1 HP even if the ED card is declined?

Possibly...of course, there are no guarantees with it being 1 HP even if both are approved or both are denied.

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:12:24 GMT

@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.

Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:13:27 GMT

@SunriseEarth wrote:
@Skye12329 wrote:
@SunriseEarth wrote:
if you want the ED, apply for the ED. If you don't get approved, try applying for the Green or any other charge card on the same day. Hopefully, you'll luck out and get the two-fer single HP
Its a possibility it could be 1 HP even if the ED card is declined?
Possibly...of course, there are no guarantees with it being 1 HP even if both are approved or both are denied.

Right, its a YMMV as always, well obviously imma hope for the best

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 07:13:35 GMT

@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.

Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:15:24 GMT

@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.

New rank?

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 07:21:39 GMT

@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:31:26 GMT

@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!

Oh didnt even notice how do those go up? Just more posts?

Also i do have a question regarding the application. I noticed it theres 2 options for employed. 1 is above a list of like various job fields, and there is 1 below student. Does it matter which i select?

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 07:43:37 GMT

@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!
Oh didnt even notice how do those go up? Just more posts?

Also i do have a question regarding the application. I noticed it theres 2 options for employed. 1 is above a list of like various job fields, and there is 1 below student. Does it matter which i select?

Well. Are you employed?

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:47:18 GMT

@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!
Oh didnt even notice how do those go up? Just more posts?

Also i do have a question regarding the application. I noticed it theres 2 options for employed. 1 is above a list of like various job fields, and there is 1 below student. Does it matter which i select?
Well. Are you employed?

I am employed but which one do i select? Because i am also a student. So would it make more sense to select the employed below the student one or the one with all of the fields like Cleric, agrictural, other....etc.

Because i noticed it goes like this

-Employed (selectable)

--Cleric (selectable)

--Agricutural (selectable)

--Rest of list here (selectable)

-Student (selectable)

--Employed (selectable)

--Uneployed (selectable)

Re: Amex Green Card again...

Anonymous — Wed, 26 Nov 2014 07:46:10 GMT

@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!
Oh didnt even notice how do those go up? Just more posts?

Also i do have a question regarding the application. I noticed it theres 2 options for employed. 1 is above a list of like various job fields, and there is 1 below student. Does it matter which i select?
Well. Are you employed?
I am employed but which one do i select? Because i am also a student. So would it make more sense to select the employed below the student one or the one with all of the fields like Cleric, agrictural, other....etc.

I would just pick employed, Leave out student.

Re: Amex Green Card again...

Skye12329 — Wed, 26 Nov 2014 07:48:23 GMT

@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
@Skye12329 wrote:
@Anonymous wrote:
Why don't you think you will get approved?

It looks like you have the score. Unless you have too many inquiries or you have new accounts, it looks pretty good for your chances.

Green card is more for like people in mid 600's
Thanks and yeah inq's and new accounts is the big reason why. Freedom - June, Discover - July, CSP - August or september? Slate - November. Which i think they mostly all pulled EQ. I cant remember if Chase pulled EX at all. However AAOA is still like 1.7 years (it takes a lot to drop it seems, thanks to student loans)

EDIT - It looks like only 3 recent inqs on EX in the past 6 mos., however my total util is like 40ish
UTL is gonna be the hit or miss here.

Inquiries. Pfft. I had 8 on EX at the beginning of my AOR this year in August.
Yeah i kinda figured util would be a issue. Well my BF will be home in about 2 hours, imma hope for the best if he does allow me to apply.
Congrats on the new rank btw.

I think my UTL was about 11% when I applied for the PRG, and ED back to back. Same EX pull got both.
New rank?

Yes. You are now a valued contributor!
Oh didnt even notice how do those go up? Just more posts?

Also i do have a question regarding the application. I noticed it theres 2 options for employed. 1 is above a list of like various job fields, and there is 1 below student. Does it matter which i select?
Well. Are you employed?
I am employed but which one do i select? Because i am also a student. So would it make more sense to select the employed below the student one or the one with all of the fields like Cleric, agrictural, other....etc.

I would just pick employed, Leave out student.

I edited my post, so i should select the employed that is displayed above the job fields, and not the one below the student field? Only the Amex has to be so confusing i dont have any other issues with any other lender. Just this one XD