"Approved!"
American Express® Gold Card Review
Written by: anonymous on 2007-06-30
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
anonymous's review: 
This is the card that I have long contemplated applying for. I had some credit problems in college (typical late payments that poor college students will experience from time to time), but had kept an immaculate credit record for the last 4 years. Although my credit score is shy of the 800 I thought was needed for this card, my annual income is pretty high, so I'm sure my income/credit profile was the key here. My suggestion: if your credit score is in the upper 600-lower 700 range, but your income somewhere around 6 figures or greater, you probably have a good chance of receiving this card.
This is the card that I have long contemplated applying for. I had some credit problems in college (typical late payments that poor college students will experience from time to time), but had kept an immaculate credit record for the last 4 years. Although my credit score is shy of the 800 I thought was needed for this card, my annual income is pretty high, so I'm sure my income/credit profile was the key here. My suggestion: if your credit score is in the upper 600-lower 700 range, but your income somewhere around 6 figures or greater, you probably have a good chance of receiving this card.
1 Comment
Comment 1 by gilsmokey980
Re: Approved! 
on 2011-08-05
I had some credit issues from college as well and recently got fed up with capital one not wanting to increase my CL so I applied and got in.
My base income is about $140k and I own a home but dont live there. I had 3 regular cards, and 1 store card, and a mortgage I have never been late on.
I spend roughly $5k/mo on the card and have no problems. I do travel alot for work so its a great fit for me.
on 2011-08-05 I had some credit issues from college as well and recently got fed up with capital one not wanting to increase my CL so I applied and got in.My base income is about $140k and I own a home but dont live there. I had 3 regular cards, and 1 store card, and a mortgage I have never been late on.
I spend roughly $5k/mo on the card and have no problems. I do travel alot for work so its a great fit for me.
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
