Amex Gold Card

[Anonymous]

Hi guys,

I had a question about applying for the Amex Gold card but wasnt sure if I'd get approved or not.

I have roughly 19k on my cards between 4 different brands with a credit score of 695. Amex/Cap One/Chase/Citi

Will Amex approve based on those conditions or do I need to pay down the cards before I apply?

Thanks in advance for your help.

[Stralem]

19K out of what? If you're skirting 50%, you may need to think twice about applying.

[jsucool76]

If you can pay down the cards then it's always best to do so before applying.

Also, app for the premier rewards gold card, not the standard gold card. The standard gold card is the biggest rip off as far as Amex charge cards go.

[scorewatcher7]

which amex do you currently have, a revolving or charge? if you have a charge card, you can go to the 'cards' tab and then 'view all' and when you see your card come up, it will say whether youy need to apply or can just upgrade. id pay down those balances in either case and get your util down and score above 700 before applying cold.