topic Re: Amex green and gold card in Credit Card Applications

Amex green and gold card

Anonymous — Thu, 16 Aug 2018 05:29:04 GMT

Been thinking about getting the green or gold charge card but where I stand with my credit profile I don't know if I can get it I added a gamestop credit card that only been open for one month I've been starting my credit since almost a year now on my credit bureau experience has a total of 6 months of history 10 enquiries in a fico8 score of 667 And my oldest account is 10 months on ex What are the requirements to get any of the charge cards such as the green and the gold I seen people to get approed with thin file One of my cards is Max though I use 97% of it but I just now paid 50% of it it should report by September And that should bring me around 700 give or take Thanks for reading please help me

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 06:27:36 GMT

I recently applied for the Green card and got NPSL pretty easily, I have a thin file but have been building my scores up. My CS is 749 according to TU, wasn't approved instantly however; they verified some information and then gave me an approval over the phone. I further applied for the Amex Skymiles Blue Card, after some Recon; I came out of it with a $10k credit limit. Hope this gives you some insight into Amex's approval practices.

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 06:59:42 GMT

What was your credit history like and any new accounts before and how many inquiries u had

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 10:26:06 GMT

Have you checked their prequalification site? Their prequals are generally pretty solid.

I’d definitely advise waiting to apply until after that balance you have reports the 50% utilization or lower (you mentioned September). Within reason, Amex is not known to be particularly inquiry or new account sensitive. How recently were the inquiries you have on Experian? Are all 10 on Experian?

Re: Amex green and gold card

FinStar — Thu, 16 Aug 2018 14:49:52 GMT

OP, I believe some key elements to your questions have already been addressed by some members on your other thread:

https://ficoforums.myfico.com/t5/Credit-Cards/Amex-easyist-card-to-get/td-p/5326775

As has been mentioned, continue to build history, tackle the high utilization and determine which of the two products would benefit you in the long run. Don't choose a CC just to see what's the "easiest" in terms of getting approved. Both Green and PRG have AFs, so consider the value.

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 18:26:08 GMT

All inquiries are done in this year from some credit card and a auto loan

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 19:09:59 GMT

Was supposed to be my original question I will side tracted a little bit but my question was gonna say after I do what I do should I apply for to gold or the green and is there any requirements different between the 2 cards or the same

Re: Amex green and gold card

FinStar — Thu, 16 Aug 2018 20:10:35 GMT

The underwriting is similar for both, the AFs obviously aren't.

Have you done some research to determine which is more akin to align with your spending or lifestyle? You can visit the AmEx site and compare both cards side by side to determine which benefits provide what you're looking for.

Re: Amex green and gold card

Anonymous — Thu, 16 Aug 2018 20:20:02 GMT

I had a very thin file. I worked on my scores diligently with a secured card from my local credit union. I had 4 inquiries when I applied, I have about 11 now. All newly opened credit accounts.

Re: Amex green and gold card

Anonymous — Fri, 17 Aug 2018 00:16:37 GMT

I got approved for the Amex green card with a fico score of 638

Re: Amex green and gold card

Anonymous — Fri, 17 Aug 2018 01:01:05 GMT

Yes the gold wood be more better for me but is it the same requirement to get the green to get

Re: Amex green and gold card

Anonymous — Fri, 17 Aug 2018 01:01:48 GMT

Yes the gold wood be more better for me but is it the same requirement to get the green to get I wood like the gold but if I have a better chance on the green I will get the green and up grade

Re: Amex green and gold card

Anonymous — Fri, 17 Aug 2018 01:02:15 GMT

What was ur profile look like