Approved for Amex Gold

Accelleonn · ‎04-01-2025

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 · ‎04-01-2025

Congrats!

cashorcharge · ‎04-01-2025

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

CreditMagic7 · ‎04-01-2025

Congratulations

Creditwiser · ‎04-02-2025

Congrats on your approval !

Varsity_Lu · ‎04-02-2025

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

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

Accelleonn · ‎04-02-2025

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 · ‎04-02-2025

@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.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)

ptatohed · ‎04-03-2025

Enjoy that hefty AF!

lol J/K. Congrats.

[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)

CreditAggie · ‎04-27-2025

Congratulations on your Amex Gold approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs: