19 year old son was approved for Amex Gold

donze724 · ‎01-24-2025

Excited that my 19-year-old son has been approved for the Amex Gold card based on his own credit! Over the past two years, he has been an authorized user on my Amex Skymiles, Capital One Platinum, and Discover IT cards, and it has definitely paid off. He's also making minimum payments on a student loan—even while in deferment as a full-time college student—so the installment plan will reflect on his credit report. So far, so good! He understands the importance of not using credit cards for substantial purchases unless he has the funds to pay them off in full.

quickstep_knoll · ‎01-24-2025

Congrats to him. That's definitely an interesting first primary card.

GZG · ‎01-24-2025

congrats to DS on the great approval!!

Starting FICO 8:

Current FICO 8:

Dcowboy08 · ‎01-24-2025

Grats to the boy... Now when can we expect grandkids?

cashorcharge · ‎01-24-2025

That’s Terrific!! Congratulations on his Approval!!👏🏼🍾🥂

StrongerReturn2018 · ‎01-24-2025

Congratulations to your son.🎉

12njoy · ‎01-25-2025

Teaching him well. My daughter got this same card 3 months ago with a starting limit of 2k and just did the 3X CLI to 6k.

(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
___________ 12Njoy
FICO - EX 825; EQ 807; TU 810 I'm climbing back to 800+

CreditAggie · ‎01-26-2025

Congratulations on DS Amex Gold approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

ptatohed · ‎01-29-2025

I never would have thought of a $325 AF card as my first card when I was 19!!!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Realist · ‎01-29-2025

Nice job teaching him well, definitely on the right track.

Is there any specific reason why he choose to pick a higher AF card out of the gate? I'm actually curious to know if it was strategic, desire, or random choice? We went a similar route with one of ours, we had a number of kids we helped out over time, but with only a $40'ish annual card. Now for ours that single card line naturally grew to $20,000+. And they're just kids to boot. So.... back in my day.....

Congrats. Sincerely.

$XXX,XXX in credit lines.
Multiple months in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...

800+ FICO.

Making all numbers dance on a financial ledger.
Abuse that score responsibility.

Take nothing I say as financial advice. DYODD.