My first Amex. Denied twice before. Once in Oct 2017 and again in Oct 2018. I'm sure in 2017 it was because of a thin file and a cpl of new cards. The second was for 30% util and new accounts- 4 in six months with a low AAOA. Both denials my Ficos were just above 700. My new accounts aged to 6 months and my util fell to 24% and my Ficos were 710-715 with a AAOA just hitting 11 months. So, finally approved. I had been trying for the Gold charge card but i did the prequal on Amex and only the Delta showed up. I might have been able to get the Gold charge but just apped the Delta to get my foot in.. I'll do my spend and get the 50k miles and then in a few months see if i can get the newly revamped Gold business charge as it's the best for fuel at 4x. I'm a trucker so i can easily rack up 50k+ MRs a year. I spend over $4,000 a month in diesel and the truck stops i fuel at just started taking Amex.They HP'd Experian with a 710. AOOA 2y8m.. 10 Inqs on Exp.... SL $1,000. Happy New Years!
Congratulations. Enjoy the card.
Congratulations on your approval!
Congrats on your approval!!