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AMEX Gold Approved - with a surprising score!

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Valued Member

AMEX Gold Approved - with a surprising score!

Well everyone, I have every reason to stay in the garden for some time now. I just cold app'd for my goal card and got it. A bit risky, sure, but I'm happy with it. It did pull EX, of course. Approved with a 641. Not amazing, but I'll need its features for an upcoming trip. I'm excited to finally have this relationship with AMEX, and I'm grateful for al of the encouraging and insightful posts from fellow members on this board. Your shared experiences have taught me a lot to get where I am now.

Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 1 of 28
27 REPLIES 27
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Regular Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats on the approval!
Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
8/10/2019 - FICO 8 Scores - EQ 706 TU 705 EQ 689
9/15/2019 - FICO 8 Scores - EQ 710 TU 713 EX 690
6/6/2020 - FICO 8 Scores EQ 717 TU 720 EX 683
Message 2 of 28
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New Member

Re: AMEX Gold Approved - with a surprising score!

Congratulations!

What is your credit limit? Do you have any negative accounts or high utilization?
Message 3 of 28
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Valued Member

Re: AMEX Gold Approved - with a surprising score!

Currently at 21% utilization. One collection that only shows up on TU and I'm good elsewhere. Also, there is a closed Amazon Prime Chase account.

My total credit limits across all accounts is $5,750 with. No late payments over the last three years and an AAoA of about 4 years.
Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 4 of 28
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Valued Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats on your AMEX Gold approval!




"Your ego is writing checks your body can't cash".
Message 5 of 28
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Frequent Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats!

Message 6 of 28
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Community Leader
Mega Contributor

Re: AMEX Gold Approved - with a surprising score!

CongratsSmiley Happy Are you going to ask for Rose Gold?
Message 7 of 28
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Community Leader
Senior Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats on an awesome card and welcome to the family!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





TCL $64,850 | Agg. Util under 5%
Message 8 of 28
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Established Contributor

Re: AMEX Gold Approved - with a surprising score!

OMG AJC you can't just ask people if they are going to choose rose gold🤪


@AverageJoesCredit wrote:
CongratsSmiley Happy Are you going to ask for Rose Gold?

 

Message 9 of 28
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Valued Member

Re: AMEX Gold Approved - with a surprising score!

Can I?! Be cause yes, I do want the Rose Gold. I didn't notice it was back until I saw that it needed a referral on the AMEX home page.
Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 10 of 28
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