bahbahd wrote:Is it suggested or required to apply for an amex charge card prior to trying for one of their credit cards? If I app for a credit card first, would it be possible to use the same HP to app for a charge card?
If done in a short period of time, it doesn't matter (assuming you get lucky on the Amex one pull when done one right after the other) which comes first; generally speaking if you want both the charge card and the credit card though, it's recommended to apply for the charge card first as it has a lower underwriting criteria.
If you are denied for your first application for whatever reason, there's an Amex imposed 31-day waiting period where any future application will automatically be denied without even being considered.
Depending on what your score and credit report happen to be, should be the arbiter as to whether you need to apply for the charge card first or whether you can do the reverse. Put another way, if you're near gold-plated anyway, it doesn't matter as to the order.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)
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