@Gladtobehere wrote:Thanks I was thinking the same thing. The way I see it, if I get a letter in 2-5 days I know its a denial letter. They cant make the cards that fast lol. Also everyone I made a mistake I actually applied for the TrueEarnings Card from Costco and American Express. Not the Blue Card, sorry about that everyone. I changed my mind after doing a little more research. But everyones help was much needed. I used the MyFICO Credit Card tab. It basically said which Visa, Mastercards, Discover and Chase cards I qualified for based upon my credit score, reward preference etc... Sooo we will see what happens. I was already approved for a Capital One Card with a starting CL of $1000. Hopefully that means I am doing something right. One more thing, if everyone can check back in a few I will let you know what happened, that way you can judge whether you want to apply for the same card yourself. Stay tuned....
It's surprising how fast they can get that card to you. My SPG was overnighted to me without my request. It arrived the day after I applied.
Starting Score: ~500 (12/01/2008)
Cool, then I will not look like this 
if I get a letter in 2-5 days, waaaahahahahaha
My report is loaded with college loans all paid on time, two aulo loans closed and paid as agreed, BOFA $500 CC and a 5 year old repo. I am happy to be smelling the 700's. After this batch of attempted CC, I will go gardening for two years. Then come back as Super Credit Man!!!!! waaaaaaahahahahahaha At least thats the plan, hopefully WWIII will not have occured by then. 
True I had to get a Costco card first, then apply for the AMEX. A lot of trouble for this card and actually if I could redo it, I wouldnt apply for the card. Yet if I get the card, maybe it would be worth it. 
Well everyone sad to say, Amex kicked me to the curb I was denied. But out of four cards, I got two. I am going to assume that Discover Motiva card was denied because they will not give me an immediate decision. They said I would receive a decision in 30 days. Well time to do some magnificent gardening. Hopefully by mid next year, six months I will be at 700+. Bad thing though, I have four inquires. Which, considering the credit I received, is not that bad. Kinda stupid for punishing someone for applying for credit. That's just dumb. that's my last grip for 2011 Garderning at a Gophers level! 
Well, just to add closure, here is what happened. Approved for Capital One $1000, Approved for Discover Motiva $1000, Approved for Household Bank $300, Approved for BofA $500 and denied for Amex (I was pushing it).
Four out of five is great. Gardening, hopefully it will produce an Amex express by summer or end of next year. Wish everyone the best, if I can do it, I know you can! One more thing This is very important... The Credit Card Center (right here at My FICO) helped me get the cards or should I say, I followed the suggestions. Check it out. Strange way to get there, click the Financial Help Center above, then the Credit Card Center tab appears, click that, then click at the bottom right, advise me. Good luck.
Give them a call back and see if they will approve you for the Zync card. It's only a charge card but it gets your foot in the door with them making it much easier down the road to get credit products. Your scores are right in the neighborhood for it. They have relaxed their typically high standards for this card and even have sub Zync cards with lower spending limits and even one where you agree to auto draft your account. The time frame may be to long for them to use the same report but it certainly can't hurth to try. I'd say you have a really good shot at it. I plan on applying in a week or so, just waiting for an account to update.
@Gladtobehere wrote:Well, just to add closure, here is what happened. Approved for Capital One $1000, Approved for Discover Motiva $1000, Approved for Household Bank $300, Approved for BofA $500 and denied for Amex (I was pushing it).
Before you give up on Amex try to recon, it can't hurt and won't be another inquiry since it's less than 30 days ago. Also I would strongly suggest to sign up for at least one or two CU whether local/regional/national. Just take your pick based on what you want and apply for membership/credit card. I know Alliant/First Tech will use the same inquiry for both membership and credit card. There are others as well too. Just need to do some reading on here
You will get better limits with CU and good CLI over time and can qualify for a personal loan too usually after 6 months with some