topic Re: Amex gold card reapply in Credit Card Applications

Amex gold card reapply UPDATE APPROVED

Anonymous — Mon, 13 Apr 2020 17:41:44 GMT

I applied for the Amex gold card in July of 2019 and was denied. It's been 9 months since then, let my accounts age nicely before I reapply. But I'm so hesitate to apply again as I'm scared to get denied again. I've reading that they mostly pull EX and my score is 757.

I applied today and got the approval for the 50k points! Finally apart of the Amex family!

Re: Amex gold card reapply

Anonymous — Wed, 08 Apr 2020 23:35:05 GMT

I'm no Amex expert and I don't know what else is in your profile, but i was approved for Gold with Experian 655.

Re: Amex gold card reapply

Jnbmom — Thu, 09 Apr 2020 00:00:44 GMT

Have you tried their prequalify site?

what were the reasons for denial?

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 00:05:40 GMT

I can't remember there reason for denial. But yes I check there site and it's always the same 3 cards. The green card, the cash magnet and the everyday card

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 00:18:35 GMT

@Anonymous wrote:
I can't remember there reason for denial. But yes I check there site and it's always the same 3 cards. The green card, the cash magnet and the everyday card

If you are Pre-approved for the Amex Green card. You should be good to go for the Gold card.

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 00:32:08 GMT

Oh sweet, really? Are they like the same requirements almost?

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 00:41:28 GMT

@Anonymous wrote:
Oh sweet, really? Are they like the same requirements almost?

Yes, all the charge cards have the same requirement.

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 00:50:16 GMT

Thank you! I guess I'll just pull the trigger and pray

Re: Amex gold card reapply

Brian_Earl_Spilner — Thu, 09 Apr 2020 01:25:28 GMT

@Anonymous wrote:
I can't remember there reason for denial. But yes I check there site and it's always the same 3 cards. The green card, the cash magnet and the everyday card

You can always check the status of current apps as well as look up old apps here:

https://online.americanexpress.com/eaol/statusCheckAction.do

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 02:38:54 GMT

@Anonymous wrote:
I'm no Amex expert and I don't know what else is in your profile, but i was approved for Gold with Experian 655.

Wow, that's pretty nice. I got approved at 743 with AAoA at 1 year old. Only had 2 credit cards at time of approval with total CL of nearly 5000.

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 02:57:52 GMT

@Anonymous wrote:
Thank you! I guess I'll just pull the trigger and pray

No problem and good luck!

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 03:10:34 GMT

Good luck if you apply!

Re: Amex gold card reapply

M_Smart007 — Thu, 09 Apr 2020 03:17:36 GMT

Re: Amex gold card reapply

Anonymous — Thu, 09 Apr 2020 05:19:50 GMT

Sending you good vibes for an approval, @Zac1156! Give us the data points if/when you pull the trigger.

Re: Amex gold card reapply

jberry — Thu, 09 Apr 2020 13:04:04 GMT

Good luck as well!! I got denied twice for the Amex Gold card! My FICO 8 is around 670 and 677 when I apped, I'm sure you'll get it!!

Re: Amex gold card reapply

Anonymous — Mon, 13 Apr 2020 06:42:40 GMT

I say go for it. I was approved with 687. And I had a 9 year old BK on my CRs. I think you've got great odds! Did you do the prequal page? That thing seems to be very accurate!

Re: Amex gold card reapply

KJinNC — Mon, 13 Apr 2020 14:48:58 GMT

Good luck, let us know if you get the card. I would be surprised if you do not, based on your score and the fact that you prequalify for the Green Card.

I had a FICO 8 score over 700 when I got mine, but I had a lot of weird things about my profile, mainly that my oldest account on Experian was three months old at the time. My only unsecured bankcard was one month old at the time. I got denied multiple times and eventually they demanded tax transcripts, I think simply as a way to make me stop applying. Then while I was on a vacation, I got an email saying that my application that had already been cancelled had been approved. I don't know how or why (I had ignored the demand for tax transcripts and I had not reapplied after my last application was cancelled), but I didn't argue. Amex is great, and once you have one card with them, it is enormously easier to get cards #2 and beyond.

Re: Amex gold card reapply UPDATE APPROVED

Meanmchine — Tue, 14 Apr 2020 04:15:58 GMT

WTG on your new Amex card

Re: Amex gold card reapply UPDATE APPROVED

gdale6 — Tue, 14 Apr 2020 12:50:42 GMT

As OP has been approved and approval thread has been created this thread is closed to further comment.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-gold-approval/m-p/5983668