I want Approval: AMEX Green Charge Card..Help..please..

[Anonymous]

the denial was a 1.5 months ago because my experian fico was a 611 .. have 1 derog, my student loan to inital loan ratio is too high (which means I havent paid off atleast 30% of my student loans yet) .. and I had a high utlization at the time it was in the low-high 30s%, and I didnt have enough credit usage (because I applied for a credit card 8 months ago... since college--Those were the reasons.

my AAoA is 5 years and 2 months.. my oldest acount is 7 years.

[Anonymous]

Creditcuriosity, I paid the$76 last month... my reprt shows "failed to pay" before I paid it.. so it shows: "faile to pay" for the past 24 month.. it shows Paid for the month of June and it shows a $0 balance.

[jbsea]

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@CreditCuriousity wrote:

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@Anonymous wrote:

Lol, its funny because amex send me A preapproval letter, I applied and then got denied.. my re-offer still shows on the pre-offer site.

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How long ago was the denial?   What were the reasons stated on it?  Also Personally all Charge cards (green/PRG/Plat) have the same underwritting criteria, so personally I would go for the 50k PRG offer 0 AF first year and 1k spend in 3 months to get the 50k MR points if you choose to go for it again...

You have a better EXP fico score than myself and I have 26k in credit with them with CA's and CO's and lates when I applied, although alot thicker credit profile.

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Everyone keeps saying that but I've seen a couple of post where people were denied for the gold but got the green.  When I was looking at the pre-selected cards and the offers I got in the mail were for the green card.  I waited a few months and finally got the pre-selected PRG which I took.  I think that the UW is close but I dont think that they are the same.

[Anonymous]

Can you upgrade from green to gold, or does it require another hard pull, in order to get gold..?

[CreditCuriosity]

Yes you can upgrade the green to the gold, but you miss out on the MR point being 50k offer.. I personally would go for the PRG if you want a charge card, if you want a revolver I think you would have a good chance with the ED card personally as well.. Have you thought about that?  Just trying to steer you in the right direction.. Also at other poster, yes charge cards all have the same UW criteria, just more AF's.. Revolvers have different UW such as ED or EDP is easier to get then BCE or BCP.  

[taxi818]

But if you just applied a month and a half ago. maybe its time to let it rest. not sure if you apply that soon anyway. but someone else may know. hmm.

[Anonymous]

I'd go for it. I've seen people get approved for the Green with lower scores than you. It seems you rectified the reason they declined you 1.5 months ago which was likely utIlization ( or the main reason). Gooooooooo get it!

[Anonymous]

Meyers, i think you're right-- I will give it another shot on my next fico score update.. Which should be the first week of August

[Anonymous]

I'm going to be stalking you because I have to live vicariously through you. I was young and dumb and burned them in BK so I'll never have another chance at one. I'm trying to convince my husband to apply so I can just hold it lol 

[Anonymous]

Meyers, If your husband get one, can't he make you an authorized user?