Credit Cards

[LesWH]

Does having an AMEX charge card make getting an AMEX revolver easier?

[jd5189]

It makes getting declined less of a hit on your CR.

Building your payment history with AMEX will lower your risk with them. But, it is not necessary depending on your history.

[jsickz32]

I got approved for BCE first with EX score of 675 age 21. I didnt have any amex cards before. After the bce i got Green and GoldPR

[LesWH]

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jd5189 wrote:

It makes getting declined less of a hit on your CR.

Building your payment history with AMEX will lower your risk with them. But, it is not necessary depending on your history.

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What do you mean by that?  Do they not do a hard pull if you already have a card?

[jd5189]

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LesWH wrote:

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jd5189 wrote:

It makes getting declined less of a hit on your CR.

Building your payment history with AMEX will lower your risk with them. But, it is not necessary depending on your history.

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What do you mean by that?  Do they not do a hard pull if you already have a card?

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Once you have a card, applications thereafter are softpull declines. They only hard pull if you are approved for the card you app'd for.

[nicholasyud]

Only if they approved other than that  soft pulls..........

[isoldmyatlas]

I would definitely say so.  I got the Green Card with just under 6 months credit history, and less than a month later (after I paid my first statement) they approved me for their Hilton HHonors card.

[Repo-ed]

made getting a revolver with them, for me, alot easier since pif'ing with my zync

[Revelate]

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Repo-ed wrote:
made getting a revolver with them, for me, alot easier since pif'ing with my zync

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I forget Repo, which Amex revolver did you obtain?

As for the topic, I absolutely think that any current relationship with a lender, if used wisely, will increase one's odds for approvals later.  Of course the converse is also true, doing something silly....

Also I would tend to say at least in Amex's case, while they are a spend-centric lender, if you're borderline living paycheck to paycheck based on their internal calculations for your disposable income, they (or any other lender though I suspect Amex is far more aware of this) may well decline to offer you additional credit now matter how much profit you're making for them.

I've been spending money lately like a druken fool trying to get my life in order, and the majority of that is being run through my Zync.  While I will be back down to my miserly habits next month, it'll be interesting to see in the future how Amex thinks of that even though I haven't crossed the threshold of "reasonable" spending based on my income theoretically.

[texaspete2012]

how many months with a good history with amex before you went revolver?