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App for AmEx CC w/o charge card?

Established Contributor

App for AmEx CC w/o charge card?

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?

8 REPLIES
Valued Contributor

Re: App for AmEx CC w/o charge card?

Yes its possible. I apped for the BCE first and was instantly approved and a week later i decided to app for Green and was also approved instantly. They pulled EX which was 675.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator

Re: App for AmEx CC w/o charge card?


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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: App for AmEx CC w/o charge card?

It is very possible to be approved for the credit card without having a charge card first - I accomplished this goal last month. 

 

As for what we would recommend for your specific credit profile, we would need more information to determine that. Would you like us to provide recommendations on your order, or was the general info provided sufficient?

 

"Youve gotta ask yourself one question, 'do I feel lucky?' Well, Do ya, punk?"


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Valued Contributor

Re: App for AmEx CC w/o charge card?

My first Amex was the Zync NPSL; before that I never had a charge card.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Member

Re: App for AmEx CC w/o charge card?

I got the revolver without having a charge card. As others have mentioned if you think you are borderline. Go with the "easiest" first.

Börk Börk Börk!
Established Contributor

Re: App for AmEx CC w/o charge card?

You can but you risk it when you shouldn't
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor

Re: App for AmEx CC w/o charge card?

You can get a credit card without having charge card first. I apped for an SPG and was instantly approved with no prior account with AMEX. 

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Valued Contributor

Re: App for AmEx CC w/o charge card?

my first amex in 2006, was the delta gold
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+