Amex app planning

[Kennie02]

I am no where ready to app for an Amex. But I am trying to plan for the future. I was reading some posts and wondering... Is it still recommended to begin a relationship w/ Amex by getting a Green Amex? Having opened too many cards using the Shopping cart trick I don't wanna open cards I don't need. I honestly would have no use for the charge card. I would like the Costco TE or BCE. I want the gas rewards and get 95% of my gas at Costco.

[TheConductor]

With your current scores, I don't see you qualifying for another Amex any time soon. The charge card can be a good way to begin building an Amex relationship while you wait for your scores to improve to the point where you can get a revolver.

But it is by no means necessary.  Another option is to simply wait, and garden, until your scores are ready for a card you actually want and need. Plenty of people get Amex revolvers without ever having held an Amex charge account.

[09Lexie]

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@Kennie02 wrote:

I am no where ready to app for an Amex. But I am trying to plan for the future. I was reading some posts and wondering... Is it still recommended to begin a relationship w/ Amex by getting a Green Amex? Having opened too many cards using the Shopping cart trick I don't wanna open cards I don't need. I honestly would have no use for the charge card. I would like the Costco TE or BCE. I want the gas rewards and get 95% of my gas at Costco.

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Amex approvals  are  not as difficult as perceived. Mid 600 scores have been approved for charge cards, which By the way... Have the same UW criteria. If you want a revolver your chances increase with scores in the 700's. 

Let your new accts age at least 6 mos. 

[heyarrnold]

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@09Lexie wrote:

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@Kennie02 wrote:

I am no where ready to app for an Amex. But I am trying to plan for the future. I was reading some posts and wondering... Is it still recommended to begin a relationship w/ Amex by getting a Green Amex? Having opened too many cards using the Shopping cart trick I don't wanna open cards I don't need. I honestly would have no use for the charge card. I would like the Costco TE or BCE. I want the gas rewards and get 95% of my gas at Costco.

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Amex approvals  are  not as difficult as perceived. Mid 600 scores have been approved for charge cards, which By the way... Have the same UW criteria. If you want a revolver your chances increase with scores in the 700's. 

Let your new accts age at least 6 mos. 

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+1. When I was approved for the BCP, my scores were in the 680's ^_^

[injustifiiable]

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@heyarrnold wrote:

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@09Lexie wrote:

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@Kennie02 wrote:

I am no where ready to app for an Amex. But I am trying to plan for the future. I was reading some posts and wondering... Is it still recommended to begin a relationship w/ Amex by getting a Green Amex? Having opened too many cards using the Shopping cart trick I don't wanna open cards I don't need. I honestly would have no use for the charge card. I would like the Costco TE or BCE. I want the gas rewards and get 95% of my gas at Costco.

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Amex approvals  are  not as difficult as perceived. Mid 600 scores have been approved for charge cards, which By the way... Have the same UW criteria. If you want a revolver your chances increase with scores in the 700's. 

Let your new accts age at least 6 mos. 

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+1. When I was approved for the BCP, my scores were in the 680's ^_^

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+2...660's when I was approved for a charge card ...they won't let me have a revolver yet though (I've tried at least three times already)

[red259]

I was approved for PRG and BCP same day without having any prior amex relationship, so having a prior relationship isnt necessary for revolver. Six months prior to that i was denied an amex charge card for lack of revolving accounts. My advice would be to garden and then go straight for the revolver you want. I actually use my PRG card a decent amount, but will be dumping it when the AF comes due. 

[baller4life]

Approved for Delta Gold Skymiles with a 674 and 2 baddies AND 40% util . #winning

[cflowers0115]

I cannot describe my jealousy. AMEX seems to hate the idea of me as a client with a passion.

[heyarrnold]

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@cflowers0115 wrote:

I cannot describe my jealousy. AMEX seems to hate the idea of me as a client with a passion.

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What were your reasons for denial?

[Kennie02]

Thanks for all the replies! Looks like I could be ready in January! But I will wait and see what my scores are and just go for the revolver.