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Fico Scores - Amex Gold

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Valued Member

Re: Fico Scores - Amex Gold

If you have 742 score with Experian I think you should be good to go as that's the only score Amex will pull.

I was approved for Amex Gold with 696 on Experian at the time for a 3K limit BUT I was also an AU for someone else's gold card at the time. Now my pre-spending limit is $50K. I think you def have good chances!

8/2017 Experian 684 | 11/2017 Transunion 640 | 10/25/2018 Experian 784, Transunion 711, Equifax 707 | 11/1/2018 Experian 797, Transunion 709, Equifax 709
Message 11 of 31
Established Member

Re: Fico Scores - Amex Gold

Awesome, thank you all for the help. Lots to learn. Would applying for the Amex Gold with 50k signup bonus (through referral link) as opposed to 25k signup bonus affect approval odds at all? Thanks for all the clarification as well. 

Message 12 of 31
Valued Contributor

Re: Fico Scores - Amex Gold

Using referral link doesn't effect your approval odds. You just get twice as many points if you get approve over the public offer.
Currently: Gardening since 12/29/2019


Message 13 of 31
Established Member

Re: Fico Scores - Amex Gold

I got accepted for AMEX platinum with 675/675 transunion and equifax with two months of credit history. My friend had less (649 both) and 2 months credit history and also got accepted for an AMEX platinum. You will definitely gett approved.  Good Luck!

Cards: Amex Platinum and Discover Student
Message 14 of 31
Moderator

Re: Fico Scores - Amex Gold

Friendly reminder that posting referral codes is prohibited by the myFICO Terms of Service (TOS).

 

--UncleB

myFICO Moderator

Message 15 of 31
Frequent Contributor

Re: Fico Scores - Amex Gold

Apply - you will get approved. And if u don’t have a referral just do the incognito mode and you will get the 50,000 and 20% credit on the first 3 months offer.






Message 16 of 31
Established Member

Re: Fico Scores - Amex Gold

Would Amex ever pull a FICO Bankcard Score 8, as opposed to just a FICO Score 8? My Bankcard Score 8 is 654, but my FICO Score 8 is 742. This is the only hold up for me to currently apply. Thanks for all the help everyone. 

Message 17 of 31
Senior Contributor

Re: Fico Scores - Amex Gold


@CosmoKramer- wrote:

Would Amex ever pull a FICO Bankcard Score 8, as opposed to just a FICO Score 8? My Bankcard Score 8 is 654, but my FICO Score 8 is 742. This is the only hold up for me to currently apply. Thanks for all the help everyone. 


 

How many times do you plan on asking the same question even though you already have the answer?





Message 18 of 31
Established Member

Re: Fico Scores - Amex Gold

Different question. Asked if they would ever pull a Bankcard score or not. Thx. 

Message 19 of 31
Valued Contributor

Re: Fico Scores - Amex Gold

No, they only pull your Experian FICO 8. They don't use the bankcard version.

Currently: Gardening since 12/29/2019


Message 20 of 31
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