Your status as an authorized user makes zero difference on your status as a primary cardholder with Amex. There is anecdotal evidence that higher limits beget higher limits, but even those of us with very large lines still get low starting lines from time to time. It will really depend on your profile as a whole and income more than anything.
With your stats, it doesn’t look like you’d have much of a problem being approved for an Amex card. Not everyone gets prequalifications and people cold app all the time.
With your stats, it doesn’t look like you’d have much of a problem being approved for an Amex card. Not everyone gets prequalifications and people cold app all the time.
I’ll share my experience as it sort of contradicts K’s comment.
I have to put a disclaimer in place as well though. K’s comment is very true and normally it doesn’t.
My personal experience:
During my rebuild, I was offered a contract for an overseas IT position. I had crappy credit from being 18 and stupid. 512 FICO several collections and a chargeoff. No one would touch me.
Finally most things fell off in April 2017. So I was down to 3-4collections.
Started off with a US Bank secured card and got a little bit of history (3-4 months)
I was offered the overseas contract and needed a real credit card with a good limit.
So
I app’d for the Delta Gold with a 607 EX and 2 collections. I was denied.
I had recently proposed to my GF at this point so I was finally ready to tell her about my not so good credit history.
She app’d for the card herself and added me as an AU.
A month later, I realized that Delta baggage benefits don’t extend to AU.
Being as I wasn’t such a noob MF’er anymore. I checked my offers through Amex and low and behold I was preapproved for the Delta gold. I ended up app’ing for it. 610 EX.
Same profile that I was denied a month earlier with. I really do think being an AU, running 9K of work charges through it and paying it with my own login helped me get approved for my own card.
I have to put a disclaimer in place as well though. K’s comment is very true and normally it doesn’t.
My personal experience:
During my rebuild, I was offered a contract for an overseas IT position. I had crappy credit from being 18 and stupid. 512 FICO several collections and a chargeoff. No one would touch me.
Finally most things fell off in April 2017. So I was down to 3-4collections.
Started off with a US Bank secured card and got a little bit of history (3-4 months)
I was offered the overseas contract and needed a real credit card with a good limit.
So
I app’d for the Delta Gold with a 607 EX and 2 collections. I was denied.
I had recently proposed to my GF at this point so I was finally ready to tell her about my not so good credit history.
She app’d for the card herself and added me as an AU.
A month later, I realized that Delta baggage benefits don’t extend to AU.
Being as I wasn’t such a noob MF’er anymore. I checked my offers through Amex and low and behold I was preapproved for the Delta gold. I ended up app’ing for it. 610 EX.
Same profile that I was denied a month earlier with. I really do think being an AU, running 9K of work charges through it and paying it with my own login helped me get approved for my own card.
I didn’t see your scores until just now.
I think you would be better off app’ing before it reports as you scores are solid.
You score could decrease from the AAoA hit plus to a computer. It could appear as you are actively seeking credit with app’ing so soon after a new trade line reporting
I think you would be better off app’ing before it reports as you scores are solid.
You score could decrease from the AAoA hit plus to a computer. It could appear as you are actively seeking credit with app’ing so soon after a new trade line reporting
I agree with @Shadowfactor. If you're going to be applying for it soon, do it before the new account reports (Amex AU cards no longer inherit the age of the account and appear as new accounts). Also, that's an awesome approval story! I don't want to hijack the thread, but since it's actually relevant to OP's question, here's our experience...
DW has been an AU on 3 of my Amex cards since 2003. The Gold card (now PRG) saw easily $500k+ in spend over the years. 13 years later, she applied for her first Amex card, an EveryDay. She was approved with a $2,000 limit with a score in the 770s or 780s at the time, AAoA around 14 years, credit age of about 24 years, no new accounts in a few years, no baddies ever, zero inquiries in 2+ years, and an income more than 100x the starting line. Fast forward 17 months and that $2k card was at $32,000 (with only a few thousand of spend at the very beginning) and when she applied for her Delta Gold last year the starting line was $23,700. Meanwhile, her credit was a bit worse off due to a number of new cards and some refis.
If the scores in your sig are current and are Fico’s. I’m a little surprised. Amex has been known to deny people with 700+ scores but it’s not a common occurrence. Although score isn’t everything. You have some good cards with good limits.
Have many accounts have you opened Recently ?
AAoA ?
My first Amex card came at 610 EX with several inquires and tons of recent accounts. The second one was even more recent accounts:
Have many accounts have you opened Recently ?
AAoA ?
My first Amex card came at 610 EX with several inquires and tons of recent accounts. The second one was even more recent accounts: