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Discussion in 'Credit Talk' started by C, Oct 20, 2000.
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Personally I don't think they will give you anything until you pay off that collection. It really wouldn't amke sense for them to.
Paying the Amex collection account was a good start. But that's all it was: A start.
You've just proven it takes you more than 2 years to pay off $800 of outstanding balance. Why would anyone, let alone the same creditor, want to give you a $3,000 limit anytime soon?
Don't apply with them in the near future. All you'll get is a "30-second inquiry", as Barry has so vividly put it.
Sorry, but I cannot tell you exactly what will happen, but more than likely you will not get approved for the student card; at least not until your previous balance is paid in full. And considering that it is so recent, it will take a while to rebuild your credit, in and outside the house. So, you might have to deal with the low limits on your other cards for a while. Amex will give you another card, but do not set your expectations high otherwise you will always be let down. Take what you get, and then work with that. When I got my first student card, my limit was $1,000 (perfect credit--no lates, charge-offs, etc.) and it took me a whole year to get it up to $2,500. If you want an immediate answer about your app, call 1-800-327-2177, option 5 and speak with a rep in new accounts (they will pull up your app via social). Good luck
Always good advice from you AMEX Rep