Second Credit Card --- First Amex? College Student

[Anonymous]

$2500 @orestrus

[Anonymous]

Hey I've had a similar experience. Got my first credit card in July (Discover 500cl unsecured, now up to 800). Chase freedom 500cl in October (had to call in for a recon on this one; have been a Chase customer for years). Applied for AMEX BCE in February - instant approval for 3.5k.

Used income of ~10k on the first two cards, 20k on the AMEX. I think my experian was around 720 when I went for AMEX.

So you can get in with AMEX with a short credit history, but with all that said, I do recommend you wait until 6mos revolving history. I think you could get 1-2k if you wait it out.

[Anonymous]

I was in the same type of situation. First student loan opened almost 2 years ago and first credit card (Discover It for students) opened in November. I applied for the Amex blue cash everyday earlier this month and got approved for 2.5k with an experian score of 680. It's definitely possible. It just depends on what type of limit you want. My income is $15,000 a year. 

[Anonymous]

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@Anonymous wrote:

Just got approved for the ED with 6 months history.

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Was your 6 months history with a credit card or was it some other form of credit? 

Does it seem like overkill to wait until June (when I will have 6 months of revolving credit and a total of 9 months history overall?) 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Just got approved for the ED with 6 months history.

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Was your 6 months history with a credit card or was it some other form of credit? 

Does it seem like overkill to wait until June (when I will have 6 months of revolving credit and a total of 9 months history overall?) 

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With a credit card.

[Anonymous]

College student working part time earning ~14k. My credit history was ~7 months old when I apped for the Amex everyday. I got approved on spot for 3.5k. Hasn't been more than a month and a half and the limit has already been raised to 9k.

I would say go for it.

My scores were around lower 700s through.

[Anonymous]

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@Anonymous wrote:
College student working part time earning ~14k. My credit history was ~7 months old when I apped for the Amex everyday. I got approved on spot for 3.5k. Hasn't been more than a month and a half and the limit has already been raised to 9k.

I would say go for it.

My scores were around lower 700s through.

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what did your report look like when you applied (any student loans? how many cc's, etc)?

thats an amazing initial limit made even better with the CLI  

[Anonymous]

No loans, only had one CC. Discover IT student with a 500 limit. Amex is great. ))

[Anonymous]

Is the difference in underwriting for the charge cards vs. revolvers very significant? Like to the point where I'd be approved for one but not the other? 

Also, what are your recomendations for good first Amex's for each category?