AmEx cards are geared toward those with good or excellent credit. I’d suggest aiming for a target score of 680 to 750 to improve your odds. It appears you’re building credit too quickly, so pace yourself and allow your credit to age.

@Kye Hade By "building credit too quickly," I mean applying for multiple credit cards within a short timeframe, which often results in low credit limits and doesn't allow enough time for individual accounts to mature. I implemented this strategy: I added son as an authorized user on two of my credit cards. Age 18 Navy Federal Amex $16k - automatic CLI $23.5k. (age 20) Wait 9 months American Express Blue Cash $8k Age 20 Amex Gold Charge Card Navy Federal $7.500

https://www.experian.com/blogs/ask-experian/how-to-check-changes-on-credit-report/

I highly recommend building credit with Discover and Capital One. You only need two primary revolving tradelines to start building credit. I’ve provided the links below for each credit card company. https://www.discovercard.com/application/preapproval/initial?&iq_id=r43700080324045199&cmpgnid=ps-dca-google-brand-prequalify&source=PSGOOGLE&gad_source=1&gclid=EAIaIQobChMIkvu7iM-VhwMVlhitBh0V0Qb6EAAYASAAEgKlo_D_BwE&gclsrc=aw.ds https://www.capitalone.com/credit-cards/preapprove/lp/sem/lp5/?external_id=WWW_LPT119_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_m_Zg__kenshoo_clickid__672014312586_662508&target_id=kwd-35768214495&oC=CO5ed2SUs1&gad_source=1&gbraid=0AAAAAD--QXC-cFzLGotxjDdawnpwpaK75&gclid=EAIaIQobChMIqoLMpM-VhwMV5G9_AB3h1AnMEAAYASAAEgKhGvD_BwE

Sign up to MyFico.com to view mortgage credit scores. FICO scores when you apply for a mortgage: FICO® Score 2 (Experian)FICO® Score 5 (Equifax) FICO® Score 4 (TransUnion) If you're applying for a loan on your own, lenders get your credit score from each of the three major credit rating agencies and use the middle or median score to qualify you for a home loan. How to improve your credit score before getting a mortgage 1. Check your credit reports and scores 2. Pay all your bills on time 3. Reduce your credit card balances 4. Avoid opening new accounts 5. Get help from a responsible credit user (If you’re a younger first time buyer, you might not have a very long credit history. One way to improve credit to buy a house: Become an authorized user on a parent’s or relative’s credit card. The primary cardholder (your parent or relative) will continue to make the payments, but you’ll benefit from the positive payment history)

Credit card utilization only affects your credit score on your statement closing date. If you can pay your statement balance in full by the due date, you can strategically use your card to maximize rewards without hurting your score. However, if you can't pay a high balance, only spend what you can comfortably afford to repay by the statement closing date to avoid interest charges.