I've always wanted a Green Amex Charge Card, Tyring to postion myself for one in the next six months.
Here are the things I think would hold me back
Chap 7 Discharged in 2012 - (Amex not included)
WFDS Car Loan with several late payments from 7/12 to 10/2015, but since then I've had 3 leases and havne't missed a single payment
First Premier Charge Off - Currently unpaid, $985 wanting to go ahead and pay this week
Credit One Charge Off - Settled for less than full in 2015
Comcast collections from Dec 2016 - Paid
I've had alot of Inquiries
I've had 3 leases w/ no missed payments
I have a 15 month old mortage no lates
I have a Cap One Card $500 limit - I keep a bal under $25 and no late payments (1 Yr Old)
I have a Kohls Charge $300 limits - 0 to $25 Bal no late payments (1 Yr)
I am listed as a AU on my Wife's Amex and there has never been a Late Payment there 0 Bal on $9900 CL
I am listed as a AU on Wife's Chase Card No Lates but we have a 8600 Bal on 8900 CL but we will have that paid off in the next few months
Others can chime in, but I believe the criteria for getting the Green or Gold card are similar. Big difference would be the annual fee.
I am not sure if AMEX will give you a card given your history but wish you luck. Maybe being an AU will be helpful?
Well, the Credit One Charge Off is coming off! I called today and the rep was gracious enough to kindly remove the trade line from all 3 beareus.
He said that they will notify electronicly but also faxed me a letter while we were on the phone confirming that they have after careful review decided to remove the tradeline.
I'm hoping for a scorebump!
Check out the rebuilding section. This will let a lot of people with experience regarding collections provide input.
congrats. I just got approved for the PRG a week ago. I'll roll with it for a bit, but PC'ing to the Green card might be an option.