Re: Thinking of applying for AMEX Gold...

ccole93 · ‎03-17-2014

I read I might as well go for the Gold Premier to get the better rewards, but I'm not so sure if I'm going to apply right now.

Score is 729 (woooo!)

I just applied and was approved for: Citi Thankyou Preferred (invitation; I have been trying to get a card with these people FOREVER) and Chase Sapphire Preferred (which was a spur-of-the-moment decision).

No dings on credit history, but it's only 3 years old. I have a Blue Cash Everyday with AMEX for 9 months now, always pay my balance in full because I know they hate when you carry it from month to month. But I hesitate because of my recent apps. Also stands to mention that I have zilch outstanding CC balances right now.

Anywho, yay or nay? I kind of wanted to app for the new CC they're releasing in April but I want a charge card from them.

From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC

SunriseEarth · ‎03-17-2014

I'm pretty sure you'll get approved. If you didn't, for some odd reason, it'd only be SP.

ccole93 · ‎03-17-2014

It's an SP? Then I suppose I don't have much to lose!

From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC

koalablue · ‎03-17-2014

I would say go for it. You have a very good chance, and your good payment history with the BCE is in your favor. Keep us posted!

SunriseEarth · ‎03-17-2014

@ccole93 wrote:
It's an SP? Then I suppose I don't have much to lose!

SP if denied, HP if approved

ccole93 · ‎03-18-2014

Approved!

I went with regular Gold, though. I don't think I really need the Premier for the extra $50. Thanks, guys!

From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC

Creditaddict · ‎03-18-2014

@ccole93 wrote:
Approved! I went with regular Gold, though. I don't think I really need the Premier for the extra $50. Thanks, guys!

it's free for a year, should have done it and downgraded next year.

alvon123 · ‎03-18-2014

@ccole93 wrote:
Approved! I went with regular Gold, though. I don't think I really need the Premier for the extra $50. Thanks, guys!

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

coldnmn · ‎03-18-2014

@ccole93 wrote:
Approved! I went with regular Gold, though. I don't think I really need the Premier for the extra $50. Thanks, guys!

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

injustifiiable · ‎03-18-2014

@ccole93 wrote:
Approved! I went with regular Gold, though. I don't think I really need the Premier for the extra $50. Thanks, guys!

Congrats though you should've gotten the PRG with the better bonus and free for the year! Oh well next time!

Thinking of applying for AMEX Gold...

Get your FICO® Score for free

Thinking of applying for AMEX Gold...