Recently turned 18, should I try the recon line for CSP

[09Lexie]

I agree OP should call but I am curious as to how OP planned to use the card. I am assuming the income is low and the comment on why to app 'because the card looks amazing' seems like there wasn't any thinking (credit wise) before hitting submit.

[espnjunkie]

+1 Agreed

Questionable credit reasoning if that's the only reason to apply for the product. Amex BCE with no credit history is impossible unless OP was an authorized user on some else's account(s) prior to the application. Even more curious given the income requirement. 

[Wesrox]

Just gonna use latest reply to reply cause idk how else to do it lol 

Well I might have been an Au back when I was like 12 or 13 but I don't think that would really count, my parents did give me an Amex platnium with my name and everything back in the day and I did use it a couple times. But shortly after my parents filed for bankruptcy so wouldnt that have a negative effect on my credit? I also have like 1500 in unpaid student loas from my first semester but it's only been like 2 months.  As for income wise I live in Vegas and have a comfortable job working at one of the premier nightclubs/restauraunts there. And in vegas they pay alot more for basic jobs if you get it in a hotel so I make around 45k give or take a year. But I'm probably not going to spend more than I have and I don't want to sound really spoiled or anything but I have almost everything I need at this young age. Only thing I'd probably spend money on is some winter clothes, gas, and the occasional food/movie when I hang out with friends. Also I want to save up for a new car so that's another motivation lol. As for in depth reasoning for why I want the sapphire is that I plan on visting Paris this winter, NYC in the spring, and probably a tour of Italy and some other European countries. So I thought I could start racking up points with CSP before and also during vacation lol. And the no travle fee is a plus too but I do get that on my discover it card so it's not that serious atm. And thanks for the encouraging comments, feedback, and suggestions guys! 

[wHiTeSoL]

so..... did you recon yet? 

[Wesrox]

Not yet lol

[espnjunkie]

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@Wesrox wrote:

Just gonna use latest reply to reply cause idk how else to do it lol 

Well I might have been an Au back when I was like 12 or 13 but I don't think that would really count, my parents did give me an Amex platnium with my name and everything back in the day and I did use it a couple times. But shortly after my parents filed for bankruptcy so wouldnt that have a negative effect on my credit? I also have like 1500 in unpaid student loas from my first semester but it's only been like 2 months.  As for income wise I live in Vegas and have a comfortable job working at one of the premier nightclubs/restauraunts there. And in vegas they pay alot more for basic jobs if you get it in a hotel so I make around 45k give or take a year. But I'm probably not going to spend more than I have and I don't want to sound really spoiled or anything but I have almost everything I need at this young age. Only thing I'd probably spend money on is some winter clothes, gas, and the occasional food/movie when I hang out with friends. Also I want to save up for a new car so that's another motivation lol. As for in depth reasoning for why I want the sapphire is that I plan on visting Paris this winter, NYC in the spring, and probably a tour of Italy and some other European countries. So I thought I could start racking up points with CSP before and also during vacation lol. And the no travle fee is a plus too but I do get that on my discover it card so it's not that serious atm. And thanks for the encouraging comments, feedback, and suggestions guys! 

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You probably want to check your credit report/scores on myfico so you know where you currently stand. 

For your level of spending the BCE will likely net you greater rewards than points cards will (for now). Unless you are spending fairly heavily each month, cash back cards are generally the most lucrative. 

That being said I'd sit and hang out in the garden while your accounts age 

[09Lexie]

The hiccup I see with Chase is approving someone under 21 without verification of income. Maybe that's the reason and once that squared away you won't have problems. The issue with Amex, hmm if your parents filed bk on them that should not harm your chances. I believe 15 is the youngest for an ACM for their charge cards, best way to find out is to ask about your MSD when your card arrives.

What other items appear on your cr? Any revolving credit?

[Wesrox]

Idk I haven't checked my credit report yet as I assumed it was just gonna be blank

[cottoncrown]

A 7-10 day message doesn't mean you are denied, they may just want to verify some info from your application. If you got approved for the amex, it's likely you could get the CSP. Myself and my wife both got chase cards with barely six months total history. In my opinion, it's a myth that creditors require a year of history. We both got amex discover and chase at six months.

[espnjunkie]

I got approved for my Amex green with six months of good payment history on my cap one starter card, but I was denied for Citi Forward due to lack of credit history. 

Seems like an afterthought now, but the safest bet is at least one year of good history for prime card approvals