So I got approved for an Amex Everyday Card and an Amex Gold Card with a 644 FICO. Below is a picture of my CCT Summary page so you can see what my credit looks like.
The credit limit on my Everyday Card is $1,000.00 and for the Gold Card there is no preset limit but I am sure I can't spend more than $1,000.00. I am just glad to get my foot in the door with Amex. Also, I got approved for a Discover IT card with a $1,000.00 limit. It's a start.
Other information that the summary leaves out:
I have a total of 37 accounts. 24 closed and 13 open.
- 2 open student loans. Current. However, they went 90 days late in 2012.
- 1 open auto loan. Never late and almost paid off.
- 2 Capital One cards. Open and never late.
- 1 Buypower Card (Capital One Bank). Open and never late.
- 1 Kohls Card (Capital One Bank). Open and never late.
- 1 HSN Card (Comenity). Open and never late.
- 1 Overstock Card (Comenity). Open and never late.
- 1 Amazon Prime Store Card (Synchrony). Open and never late.
- 1 Walmart Store Card (Synchrony). Open and never late.
- 1 Discover IT Card. Open and never late
- 1 Fingerhut Card. Open and never late
Those are the open accounts. I didn't list the Amex accounts because they have not yet reported.
The closed accounts consist of 5 unsecured loans which were never late and paid in full, a mixture of store cards and major credit cards, and about 3 acounts that charged off and will fall off this year.
I hope this information helps those who are interested in applying. Good luck.
I am posting so others can decide if they may want to try Amex out.
Thank you guys 
. I was actually shocked to get approved because my credit isn't too great but I am happy to get my foot in the door with Amex.
I got the regular Gold Card. I spoke to Amex and they said I can upgrade the card after 12 months or apply for the PRG as well. I will wait the 12 months because I don't want or need two Gold Cards.
Yes I have a lot of inquiries, but 28 of those will fall off by June of this year. 6 were from the past year.
I think I my portfolio is set for now and I will hold off on applying for anymore cards.
Congrats on getting some quality cards. These will grow and lead to better days ahead. Well done and hope your credit journey continues to grow well
Congrats!!! I've been looking at the Amex Everyday cards for two weeks now and got that on my wishlist to apply in June once my EX score hits 650. Got two closed collections from 2014 and 2015, no mortgage or installments and just 4 INQ all together (2 in EX), so your report is close to mine. Just by looking at your report, that's inspriation enough for me to keep gardening and grind it out for the next 4 months or so.
Good job with getting in with Amex, expecially with two cards!
Wow! Congrats! I will say that I am surprised because of your collection accounts and your last late being 4 months ago. You must be living right..I love it...