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omersasi81

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Should I apply for AmEx Gold now or wait?
Credit score from Experian, Transunion, and Equifax vary from 714-722, have two cards one from BofA which was a secure card but then they gave me a with $2500 limit and the other from Barclaycard, the Apple financing card with $3000. I am now thinking of getting the AmEx Gold Card to get my foot in the door with AmEx and for the rewards. What are my chances of getting approved by AmEx?

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Another factor is your income, and using the cards you have responsibly.  Are your credit cards still secured? Amex Gold charges a $175 fee a year, and doesn't offer much, if any, in the way of rewards that I can see. You also have to pay the balance in full each month. I would suggest you go on the Amex website. They have an area where you can compare their cards. I would also suggest researching everything you can on the Internet. Different Amex cards require a different credit rating depending on the card. You might even want to call Amex and speak to a representative before a hard inquiry is performed to get an idea if you might qualify.

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