Approved for Amex Gold

[Accelleonn]

Hello, i'm new to MyFico, been hanging in reddit lately. And just want to share a data point of mine when i got approved for the Amex Gold.

These are the cards i have before Amex.

1. CapOne Platinum - (06/24 CL 400, product changed to Quicksilver the same day i got approved for Amex)

2. CapOne QuicksilverOne (10/24 CL 400)

3. Apple Card (01/25 CL 500)

My total credit lines is 1,3k, got a auto loan from 11/23 (still owing 19k) that recently i refinanced slightly before the approval. 

I had 7 inquiries at that time, oldest account is 2Y 5M and AAoA is 1Y 2M. And for the credit scores, i had 702 with Experian, 697 on both Equifax and TransUnion. Income is about 66k/year.

I've applied for an AmEx BCE last two months but denied due to recent inquries, high utilization (about 70%), and thin profile. Tried again on March 23rd, they asked me to confirm my Social Security Number which i did, and they gave me the decision on 24th morning, stating i got approved for Amex Gold with 90k offer. And now i'm just waiting for it to arrive while into the garden i go.

[coreyb80]

Congrats!

[cashorcharge]

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂

[CreditMagic7]

 Congratulations

[Creditwiser]

Congrats on your approval !

[Varsity_Lu]

Congrats. That's quite a trajectory you are on: first card Platinum 6/24, nine months later Gold!

[Accelleonn]

Fortunately, it's a soft pull to check whether i have an approval or not so in my mind, why not try it till i got approved. Tried for CFU but denied due to under a year profile and some of the exact same reason Amex denied me first time. So i guess i was lucky.

[Varsity_Lu]

@Accelleonn 

AmEx is notorious for soft pull second cards, too. So, if you check the pre-approval in a few months, you might be able to snag the BCE with no new inq. Keep your reports frozen. Worst case is they say you are not eligible.

[ptatohed]

Enjoy that hefty AF! lol J/K. Congrats.

[CreditAggie]

Congratulations on your Amex Gold approval!