Congratulations on the spree. If you are sure the Green is the right card for you, apply when you are ready. Your chances won't improve next month when you have three new accounts (I've only ever been denied for too many recently opened accounts by Amex myself). They might improve in three months when things calm down and some additional age of the new accounts happens. Six months would definitely help. Was one of your new cards an Amex revolver by any chance? A lot of us tend to go the one revolver + one charge when we apply for Amex.
As a side note, underwriting is rumored to be the same for all three charge cards so if you find that the PRG or Platinum suit you better in terms of points earning and benefits then that might be something to consider.
I would be tempted to hold off 3-6 months BUT it would seem like 6 one, half dozen the other as far as now or waiting until after the new accts report. If you app now the UTIL might sink you but if you wait until they report then too many new accts might sink you. It's all a crap shoot. I will tell you that when I applied for my first AMEX I hadn't opened an acct in a year and had about 30% UTIL with FICOs in the 650 range. Have you checked the AMEX pre-qualification page?
Whatever you decide to do try an incognito browser when you look at cards and do it more than once. In the span of 2 minutes I tried about 4 times and saw the follwing SUB (sign up bonus) populate.
Green AMEX
Typical SUB - nuthin
Random SUB - 25k MR for $1k spend in 92 days
Premier Rewards Gold
Typical SUB - 25k MR for $2k spend in 92 days
Random SUB - 50k MR for $2k spend in 92 days
Platinum Card
Typical SUB - 60k MR for $5k spend in 92 days
Random SUB - 75k MR for $5k spend in 92 days
They are pretty much the same. Charge cards are lower risk for Amex so they hand them out like candy.
The additional rewards and perks you get from the PRG and Plat are compensated for with the higher AF.
The additional rewards and perks you get from the PRG and Plat are compensated for with the higher AF.
@MrDisco99 wrote:
They are pretty much the same. Charge cards are lower risk for Amex so they hand them out like candy.
The additional rewards and perks you get from the PRG and Plat are compensated for with the higher AF.
I don't know about that...I was approved for a BCE but denied for the Green Card and later the PRG when my scores were even better.
Hmm that sucks. There are lots of factors that could've played into that. I don't know your app history to say for sure what they might have been. General consensus, though, is that charge cards are just as, if not more, easy to get approved for than revolvers once you reach a certain score and history threshold.