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Dont worry too much about the prequalify links. I have never been prequalified for ANY card, and I got the PRG, Platinum and BCP (10k) with a regular online application. It only took on HP from EXP. Good luck!
I got approved for the PRG and BCP card with a 698 EX. I would recommend doing a 2 for 1 and apply for Green since you were pre-approved for that (also, charge cards are easier to get approved fov vs. revolvers), then apply for BCE right after so you only use 1 HP. Best case scenario is you get approved for both with only 1HP!
If you don't get approved for BCE, you can apply at a later date without risking another HP on denial since AMEX will only SP on denials after you establish an account with them.
@creditguy wrote:
A few things to keep in mind. While you could be approved with a lower score say 650 you will more than likely be stuck with a low SL, say $1k or even a rare $500. Once you get stuck in low SL territory it may take some time to get out of there. Not always a good place to start.
Another thing is there's more to approval than score and everyone's approval is different. You could have a decent score but could have high utilization, that's a denial more than likely, decent score and a charge off that's a possible approval. Every case is different and data points are great but they can be all over the map. Take a look at your EX score and overall profile and decide if it's right to pull the trigger, good luck.
I got out pretty quickly. Got my BCE with a limit for $1,000 which became $3,000. Than got the ED with a SL of $3,000. Now I have a $12,000 limit on my ED and $4,000 on my BCE ( transfered some to my Hilton card) and a HHONORs hilton card with a $6,000 limit.
Anyone have any opinions on the BCE vs the BCP? The difference near as I can tell is the $75 AF, but that extra 3% at grocery stores (6% vs 3% back) accordingly to my grocery store spends would more than cover the AF. I've also heard it's possible to get AF's waived somehow? Aside from the AF and the different % cash backs, are there any real difference between getting either card? Is one "tougher" to get approved for than the other, are SL's and CLI's similar with the two, etc?