It sounds like you would be fine with any one of the Amex revolvers but I would first try to find out what your Experian FICO score is. That is the bureau that they pull from for approval....good luck...
@Anonymous wrote:It sounds like you would be fine with any one of the Amex revolvers but I would first try to find out what your Experian FICO score is. That is the bureau that they pull from for approval....good luck...
Okay! I didn't know that, I will try to find that out this week
@Anonymous wrote:
@Anonymous wrote:It sounds like you would be fine with any one of the Amex revolvers but I would first try to find out what your Experian FICO score is. That is the bureau that they pull from for approval....good luck...
Okay! I didn't know that, I will try to find that out this week
Go for Amex BCE or Amex ED if you don't spend so much, they grow fast. Good luck!
Must garden until 2/1/2022 to hit my goal AAOA. 
@Anonymous wrote:Hello everybody.
So in two days I will finally have 12 months of credit history and I thought I would take a chance and apply for an Amex revolver. My question is which Amex revolver (if any) do you think I could get approved for? Here is a little background information about myself: My only card is a Discover It credit card, which is the first and only type of credit I have ever had. According to Discover, my TransUnion Fico score is currently 778. I haven't had any inquiries at all since I applied for my Discover It card, which was about 17 months ago. I have never had any late payments. Every month since I have had the card I have reported between 1-4% utilization, (this month specifically, will be 3%). And lastly my annual income is $39,000.
Thank you all very much!
If your Experian score is comparable to your TransUnion score I think you would be approved for any of their cards, so you should just pick the type of card that you would find most useful for your needs.
The Blue Cash Every Day and Blue Cash Preferred are pretty good cash back cards.
The Everyday is a good card for American Express travel rewards.
@Anonymous wrote:
@SouthJamaica wrote:
@Anonymous wrote:Hello everybody.
So in two days I will finally have 12 months of credit history and I thought I would take a chance and apply for an Amex revolver. My question is which Amex revolver (if any) do you think I could get approved for? Here is a little background information about myself: My only card is a Discover It credit card, which is the first and only type of credit I have ever had. According to Discover, my TransUnion Fico score is currently 778. I haven't had any inquiries at all since I applied for my Discover It card, which was about 17 months ago. I have never had any late payments. Every month since I have had the card I have reported between 1-4% utilization, (this month specifically, will be 3%). And lastly my annual income is $39,000.
Thank you all very much!If your Experian score is comparable to your TransUnion score I think you would be approved for any of their cards, so you should just pick the type of card that you would find most useful for your needs.
The Blue Cash Every Day and Blue Cash Preferred are pretty good cash back cards.
The Everyday is a good card for American Express travel rewards.
Okay, I'm seeing these three cards mentioned alot in the similar posts I have looked at so far, thank you!
I should mention that neither Amex nor Discover is accepted everywhere. Some establishments honor only Visa and Mastercard.
@SouthJamaica wrote:
@Anonymous wrote:
@SouthJamaica wrote:
@Anonymous wrote:Hello everybody.
So in two days I will finally have 12 months of credit history and I thought I would take a chance and apply for an Amex revolver. My question is which Amex revolver (if any) do you think I could get approved for? Here is a little background information about myself: My only card is a Discover It credit card, which is the first and only type of credit I have ever had. According to Discover, my TransUnion Fico score is currently 778. I haven't had any inquiries at all since I applied for my Discover It card, which was about 17 months ago. I have never had any late payments. Every month since I have had the card I have reported between 1-4% utilization, (this month specifically, will be 3%). And lastly my annual income is $39,000.
Thank you all very much!If your Experian score is comparable to your TransUnion score I think you would be approved for any of their cards, so you should just pick the type of card that you would find most useful for your needs.
The Blue Cash Every Day and Blue Cash Preferred are pretty good cash back cards.
The Everyday is a good card for American Express travel rewards.
Okay, I'm seeing these three cards mentioned alot in the similar posts I have looked at so far, thank you!
I should mention that neither Amex nor Discover is accepted everywhere. Some establishments honor only Visa and Mastercard.
This is true but if you know the places you shop regularly you should just look for the Amex sticker at the front of the store. It wouldn't make sense to get an Amex if nobody around you accepts it. It happens to me every once in a while that someone doesn't take Amex. I merely reccomend it highly because:
- They accept people with thin profiles (like OP's)
- They are very generous with their limits (2 big CLI's in the first 8 months)
- Their customer service is tolerable
For a thin profile, a card like Amex that will give you limits in the 5 digit range easily is a great boon.