You are early, not disqualified: six months is only FICO's minimum for a score, so build six more clean months before one carefully screened premium-card application.

In order to receive a valid FICO Score, the credit report must have: At least one account opened for six months or more, and At least one account that has been reported to the credit bureau within the past six months, and No indication of deceased on the credit report (Please note, if you share an account with another person this may affect you if the other account holder is reported deceased). The minimum scoring criteria may be satisfied by a single account or by multiple accounts on a credit file.

This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).

Pay your loans on time, every time Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low compared to your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. Only apply for credit that you need If you apply for a lot of credit over a short period of time, it may appear to lenders that you are dealing with financial setbacks.

§ 1002.9(a)(1)(i)

30 days after receiving a completed application concerning the creditor's approval of, counteroffer to, or adverse action on the application;

§ 1002.9(a)(2)

A statement of specific reasons for the action taken; a disclosure of the applicant's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor's notification.

You received a notice that you were denied credit, insurance, or employment or experienced another ‘adverse action’ based on a credit report. In this case, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice.

Check your credit for free every week Get your reports at no cost, from the trusted website for accessing the free credit reports provided under federal law.

If you do not have an SSN, you can submit your request for a free credit report in writing. Please include one copy of a government-issued identification card, such as a driver's license, state ID card or similar displaying your current address, and one copy of a current utility bill, bank statement, insurance statement or similar. Please also include the following identification information: Your full name including middle initial (and generation - Jr., II, III) Date of birth Complete addresses for the past two years

Authorized user accounts can appear on your credit report and impact your FICO® Score. This means that both positive and negative information can impact the authorized user's score.

Paying off your credit card balance every month is one of the factors that can help you improve your scores. One factor they look at is how much credit you are using compared to how much you have available. In the case of a credit card, they look at the balance you owe compared to your available credit.

An ITIN is issued by the IRS for federal tax purposes only. An ITIN doesn't : Qualify you for Social Security benefits or the Earned Income Tax Credit Provide or change immigration status Authorize you to work legally in the U.S. Serve as identification outside the federal tax system

See if you have pre-approved offers with no impact to your credit score. Filling out this form will not impact your credit score, but applying for a credit card will impact your score.

With Amex ® Apply With Confidence, find out if you’re approved for a Card before applying, using a soft credit check that won’t hurt your score. That said, after you check your likelihood of approval with Apply With Confidence, you still need to formally apply. If you decide to apply for a Card after using Apply With Confidence, you may undergo a hard credit check, which does affect your credit score.

Pre-approval involves a soft inquiry, which doesn't affect your credit score. But if you choose to accept a card offer, the acceptance will trigger a hard inquiry, which may impact your score.

United States of America

To be eligible for a new Card in the country you are moving to, your existing Card must be issued by American Express, you must be the primary Cardholder, and have held the Card for at least 3 months. Your Card Account must be open and in good standing at the time of your application. American Express Corporate Cards and American Express Cards issued by Banks other than an American Express Bank are not eligible through this Card application process.

§ 1026.51(a)(1)(i)

(i) Consideration of ability to pay. A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers the consumer's ability to make the required minimum periodic payments under the terms of the account based on the consumer's income or assets and the consumer's current obligations. A card issuer may consider any current or reasonably expected income or assets of the consumer or consumers who are applying for a new account or will be liable for debts incurred on that account, including a cosigner or guarantor.