1st AMEX

[cam2103]

What is the best strategy to get into the AMEX family? Charge card then Credit card? Is the underwriting the same on the different Charge cards? Which Credit card is easiest to get?

Thanks!

[roniram]

Well, I was just approved for the Green card after being approved for Amex BCE on Saturday.  I chatted with an AMEX rep and they stated that people who are turned down for the BCE have had success obtaining a charge card, so I think the charge card is easier to obtain. 

[ojefferyo]

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@cam2103 wrote:

What is the best strategy to get into the AMEX family? Charge card then Credit card? Is the underwriting the same on the different Charge cards? Which Credit card is easiest to get?

Thanks!

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charge then revolver back to back usually gets one HP only. U/W for charge cards are pretty much the same. Delta is the easiest from what other members experiences are. 

[cam2103]

Great, thanks for the info. I'm waiting for one more account to report then I'm going for it!

[PrettyGyrl]

Good luck! I have the Amex itchy finger...trying to wait until my utilization gets closer to 20%

[Anonymous]

Get the PRG . Easiest and best charge card .

[Anonymous]

I got the Delta Amex, but was denied for the PRG and still waiting to hear if the BCE is going to limp past the finish. It's definitely a YMMV kind of set up.

I was reporting 12% utilization when the Delta was approved. The other two apps were on the same night, same util reporting. PRG said my score wasn't high enough, I had a judgement on file, etc etc. Nothing that wasn't taken into account for the Delta. So I'm a little perplexed.

[uswala]

Good luck OP!

[Zorasmiles]

Good luck!  I'd like to see how many credit pulls you get with the three cards during that short time period.

[SecretAzure]

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@cam2103 wrote:
Great, thanks for the info. I'm waiting for one more account to report then I'm going for it!

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Before you get too trigger-happy, what will be your AAOA after this new account reports? This could hurt your chances!

IE:

You have 1 card with a history of 12 months. (AAOA: 1 year)

You add on card 2 with a history of 0 months. (AAOA now: 6 months)

Please give us some numbers here. You may want to apply before it reports if your history looks anything like my example.