What are your thoughts? Will I get approved for an Amex Gold and/or Marriott Rewards Signature Visa?

[Dre627]

I have been working on building my credit up and the last two cards on my list currently are the the Marriott Rewards Signature Visa and Amex Gold. I was turned down in the 2012 for Amex and never applied for the Marriott Card. I am a Platinum Elite Marriott member because a travel for work with over 75 nights per year at their locations. Thought I could really get some benefit out of the rewards Visa.

 

My current scores are EX-718, EQ-730, TU-695. Income $140K. Current Cards, Chase Freedom $5000, Cap One $2500, Barclay $2000, Discover It $1200, Cap One $600. Authorized User on Amex Green, Amex Blue. My payment record is clean with the exception of 3 recent trade lines from Fedloan Servicing that popped up as 120 days which I have since put on deferment for 3 months while I try and get the lates off perhaps through GW. I thought I was still on deferment but didn't realize that the debt was sold to Fedloan. Will my scores and income be enough or will I be rejected for this alone? Please let me know your thoughts.

[TeflonCat]

Do you have any accounts with AX? The PRG is very easy to get an based on your EX score you should be fine. If you don't have any account with AX, do the two 1. The Marriott card is by chase they pull TU depending on what you have on there you might be able to get that card.

[Dre627]

Thanks for the reply TelfonCat, I only have Amex as an additional user on two accounts. Sorry but what is the PRG and what is doing the two 1? The terms are new to me.

[TeflonCat]

Thanks for the reply TelfonCat, I only have Amex as an additional user on two accounts. Sorry but what is the PRG and what is doing the two 1? The terms are new to me.

I see the Premier Rewards Gold card, You app for that first then app for a revolver card.

[Dre627]

 

Thanks for the reply TelfonCat, I only have Amex as an additional user on two accounts. Sorry but what is the PRG and what is doing the two 1? The terms are new to me.

I see the Premier Rewards Gold card, You app for that first then app for a revolver card.

 

And you don't think I will be effected by the student loans?

[TeflonCat]

 

 

Thanks for the reply TelfonCat, I only have Amex as an additional user on two accounts. Sorry but what is the PRG and what is doing the two 1? The terms are new to me.

I see the Premier Rewards Gold card, You app for that first then app for a revolver card.

 

And you don't think I will be effected by the student loans?

 

Check pm.

[hyschmied]

I don't think the Marriott card will be a problem. Fyi Chase will usually pull TU and Ex for the app. I'd say go for it. There was a 70,000 bonus for a while but it might be back to 50,000 again now.

[casemodgod]

If your SL's are in deferment I believe once you make X payments they'll remove the lates.

 

7...8 payments I think it is. So if you're somewhere close to that I would wait to app to see if they'll remove

them at that point.

 

If so, you're golden. I got the Marriot with a 680 EX and a 690 TU / EQ range. So I THINK you could get it anyway

but if you can wait it out, you'll be in much better status.

[Dre627]

Great. Thank you. I am eager but will try and be patient.