Hello everyone, it has been a year since I first asked questions about for applying credit card. The last time I posted I did apply for Discover the first time and after that another one which all were be turned downed. However, last week, I got approved for Discover Student and just received the card yesterday with an approval letter separate 
. What interesting me was that Discover stated my credit score from TU with the letter. It is 758 as the time they pulled. I was suppressed when I looked at it because I did not use any service to get my real score, just use CreditKarma to estimate it, which is about 730 before it was pulled.
Now I concern to apply for an AMEX charge card or credit card, preferably charge card with small annual fee like the ZYNC. Although my score is suitable for an AMEX, I don't know if I should apply it in this year or wait a couple years to apply it. The reason I said that because I am 20 and a college student (junior this fall) with little income (not much because I don't want to work so much that I would lose my attention from school work and the amount I earned is enough for me to live as I currently live inside my parent home). I just want some thought about this as I would not apply it right away, but I could do it by the end of this year or maybe next year when I turn 21. In my report right now there are 4 hard inquiries, however, 1 will go off about month and another one should follow by the end of year. Also, my ultilization is about 7-10% on all my credit card, which are BoA Student, Chase Freedom, (not count Discover because I only got it from this month 
). My parent cosign with me on the BoA card, and I am AU on Chase card, and only by myself on Discover. Don't ask me about why I want AMEX but I love the way the charge card works as the same as I always do with my credit right now (pay off balance entirely full)
So do you guy think a student could have a chance to get approved for a charge card at this young age?
P/s: Some tips from me to someone who want to apply to Discover: either you earn 15k annual with decent score or you're a student at 4 years college. I applied twice before this one and got turned down just because I was in community college. They told me the above when I asked why I got declined. This time was different 
. Although I still in community college for this semester, I got admitted to the 4 years and got the letter to prove for them.
How old are you? Because Credit Card Act won't allow company like AMEX pre-approve for people under 21. I could try that, but not right now because I don't want so many inquiries in my report and they might just turn me down again for having too much inquiries. Also, what I concern is that will they use the income as part of the application. As far as I can tell, I don't make more than 10k years 
just because I have enough money to pay for my stuff and I don't want to work so much hours.
Another fact that AMEX really like my parent . They tended to send us letter for pre-approved cards like the Green or the Gold, but my parent don't want them right now.
@Brian_Trying_700 wrote:I would wait a year and use your Discover card and let the hard pulls fall off. After the one year point apply for Amex and most likely you will get a Amex green or Zync.
Odds of Amex pulling TU are pretty low for the vast majority of people.
I'd apply now before the Discover reports to Experian and let the inquiries age together. The way Amex membership works, one of the benefits is the ability to backdate future products, and as such I'd get that account opened up this year rather than next year. If you apply now, you have a second opportunity six months later (and still this same year) to reapp if you're denied now, which I suspect you probably won't be anyway.
That Amex benefit will help you as you start making your transition from student cards into prime ones later, and for that matter the extra time on the additional tradeline is nothing but goodness too.
