myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

AMEX Gold or Plat?

tag
Get Access Now
SuperKirby
Established Contributor
‎09-30-2013 03:57 PM
‎09-30-2013 03:57 PM

Re: HELP!! AMEX GOLD OR PLAT?

@09Lexie wrote:
@SuperKirby

OPs other post has his rev cr history at 2 mos. with a BoA CL of $300. Caution might be a better idea

ah sorry I wasn't clear! I meant 702 is great overall (score wise only), but wasn't encouraging OP to apply. And overall Profile is more imporant...Totally my fault!!! I need to state the overall picture better next time.

 

With revolver history at 2 months, I'd be hard pressed for an approval.

Message 21 of 36
0 Kudos
JamesKnox
Regular Contributor
‎09-30-2013 03:58 PM
‎09-30-2013 03:58 PM

Re: HELP!! AMEX GOLD OR PLAT?

I understand @09Lexie

 

Just to confirm.

I only have 2 inquiries in past 2 years on all reports

I have a 1% UTIL on my CC

AAoA is 6  years

Only 1 account opened in past 12 months. 

 

I have no collections. and income is like 55k. 

 

Again, my concern now is my 1 card with low limit and short history. That's why i'm considering adding AU on aunt's Discover from 2011...MAYBE that will help with the fact that I have only had my CC for 2 months? Also...what about Student Version cards? Like Discover IT has a Student Card...is the underwriting in regards to the 6+ month of history rule a factor with the student card?

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 22 of 36
0 Kudos
09Lexie
Moderator Emerita
‎09-30-2013 03:59 PM
‎09-30-2013 03:59 PM

Re: HELP!! AMEX GOLD OR PLAT?

@SuperKirby

Totally understandable. It wasn't clear to me either until I saw the other post.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 23 of 36
0 Kudos
enharu
Super Contributor
‎09-30-2013 04:00 PM
‎09-30-2013 04:00 PM

Re: AMEX Gold or Plat?

Are you a full time student at a 4 year college? That seems to be the requirement for discover student cards.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 24 of 36
0 Kudos
09Lexie
Moderator Emerita
‎09-30-2013 04:00 PM
‎09-30-2013 04:00 PM

Re: HELP!! AMEX GOLD OR PLAT?

Are you a student?

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 25 of 36
0 Kudos
JamesKnox
Regular Contributor
‎09-30-2013 04:02 PM
‎09-30-2013 04:02 PM

Re: HELP!! AMEX GOLD OR PLAT?

I am yes. Full time at 4 year college. 

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 26 of 36
0 Kudos
09Lexie
Moderator Emerita
‎09-30-2013 04:10 PM
‎09-30-2013 04:10 PM

Re: AMEX Gold or Plat?

The student version of the Discover comes with a shorter promo period and the chances if a lower CL are greater. The UW is easier but it comes with the 6 mos instead of the longer 0% promo and lower CL's.

I'm not trying to discourage you from applying, just think that if you wait at least 4 mos you'll be happier with the outcome

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 27 of 36
0 Kudos
Dustink
Valued Contributor
‎09-30-2013 04:11 PM
‎09-30-2013 04:11 PM

Re: HELP!! AMEX GOLD OR PLAT?

@JamesKnox wrote:

Oh wow. Okay! I think I will cross 700 though but at least should be at 685-690ish so once I pay for the new score...as long as it's high enough...I will apply. I believe Discover is going to pull my EQ...I really hope my score is high enough. 702 is a bit low :-( 

I'd rather take a HP and be declined, than pay to pull a report...

 

Haha, many will disagree.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 28 of 36
0 Kudos
JamesKnox
Regular Contributor
‎09-30-2013 04:12 PM
‎09-30-2013 04:12 PM

Re: AMEX Gold or Plat?

True...i'll just wait. 

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 29 of 36
0 Kudos
JamesKnox
Regular Contributor
‎09-30-2013 04:14 PM
‎09-30-2013 04:14 PM

Re: HELP!! AMEX GOLD OR PLAT?

HAHA Dustin! I wonder if that because you have 60-70k in combined CL's right now!! Smiley Mad

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000
Message 30 of 36
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.