I have a near perfect credit history: Vanquis Card (Limit: 1500), Mortgage, Car Loan: finished, and a few other credit entry which are green and no late payments! My over all borrowing is 11% from all my available credit ( this does change time to time as I want to improve my credit file) My score on Experian is 973 (excellent) Experian: 567 (excellent) Callcredit: Excellent
My income is good over 32k, my question is will I get accepted for Amex Gold card? I have one default from 3 (mobile phone company) which is due to come off this October. It has been satisfied within 9 months of defaulting back in 2008.