@UncleB wrote:
@WLRK11 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
I think you have a good shot with your high income and high scores, although 10 inquiries in 2 years is quite a bit for a thin file. Not sure how Amex would take that. Perhaps someone else with a bit more Amex experience can chime in.Thanks. Yeah the low credit and the 10 inquiries are the things that are worrying me most. Although the last inquiry was almost a year ago..
After reading your original post, and the two replies, I'd say that you have a good chance. Somewhere on this forum, I read that the underwriting criteria is the same for all of AMEX's charge cards.
Are you an active American Express cardholder? Good luck!
With your credit scores and income, I would go for it. For the Amex charge cards, your spending ability isn't based on the 'color', just the perks. Somebody with a Green card who makes 300K a year will have a higher spending ability than a Platinum cardmember with an income of $40K. Case-in-point, it's well known that Warren Buffet carries a Green card, and I'm sure his spending ability is well above that of most platinum cardmembers.
For reference, my file is a bit thicker than yours (AAoA is 4.8 years), but I was approved for my Green card with a EX FICO of 695, and income quite a bit lower. Nothing is guaranteed, but there's only one way to know for sure...
If the added perks are not a big deal, consider the green card - much lower yearly fee (currently $55/yr for me).
I have been a green card holder since 1984 and never had a spending constraint with the card. Heck, I know a salesman who purchased a new luxury car on a company AMEX green card back in the 90's for points. Needless to say the company came out with a new policy on card use for personal expenses a couple months later.
In any event, AMEX should approve you for a charge card. You can always migrate your card to a different color down the road. AMEX has been trying to get me to change color for decades.
@Thomas_Thumb wrote:
@UncleB wrote:
@WLRK11 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
I think you have a good shot with your high income and high scores, although 10 inquiries in 2 years is quite a bit for a thin file. Not sure how Amex would take that. Perhaps someone else with a bit more Amex experience can chime in.Thanks. Yeah the low credit and the 10 inquiries are the things that are worrying me most. Although the last inquiry was almost a year ago..
After reading your original post, and the two replies, I'd say that you have a good chance. Somewhere on this forum, I read that the underwriting criteria is the same for all of AMEX's charge cards.
Are you an active American Express cardholder? Good luck!
With your credit scores and income, I would go for it. For the Amex charge cards, your spending ability isn't based on the 'color', just the perks. Somebody with a Green card who makes 300K a year will have a higher spending ability than a Platinum cardmember with an income of $40K. Case-in-point, it's well known that Warren Buffet carries a Green card, and I'm sure his spending ability is well above that of most platinum cardmembers.
For reference, my file is a bit thicker than yours (AAoA is 4.8 years), but I was approved for my Green card with a EX FICO of 695, and income quite a bit lower. Nothing is guaranteed, but there's only one way to know for sure...
If the added perks are not a big deal, consider the green card - much lower yearly fee (currently $55/yr for me).
I have been a green card holder since 1984 and never had a spending constraint with the card. Heck, I know a salesman who purchased a new luxury car on a company AMEX green card back in the 90's for points. Needless to say the company came out with a new policy on card use for personal expenses a couple months later.
In any event, AMEX should approve you for a charge card. You can always migrate your card to a different color down the road. AMEX has been trying to get me to change color for decades.
+1
Right on the money! (pun intended...) 
I only wish the Green card was still available for $55. I'm 'stuck' with mine at $95, and while I've not tried personally it appears the 'senior' cards are no longer an option. 