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@Insaniak wrote:The reason is I heard the green card is easier to get if thats not the case id go with the other one. Then cancell at end of year to get member since date. If I apped for a revolver would I need to do an other app for the charge card if i got deniad for revolver?
The UW is the same for all charge cards.
What about using their pre-approval link to get a better idea of what they say you qualify for?
Tried pre approval no offers.
@Insaniak wrote:The reason is I heard the green card is easier to get if thats not the case id go with the other one. Then cancell at end of year to get member since date. If I apped for a revolver would I need to do an other app for the charge card if i got deniad for revolver?
Unfortunately, it's not like some of the other applications where you're applying for the best versions of the card. (Say for example Bank of America with the Alaska Airlines Visa signature card. -- When someone applies for this thinking that they want the Visa Signature with the better sign up bonus, they may not get that one but the regular visa with a lower sign up bonus.) For Amex, the application is for the product -- the only thing differing will be APR and credit limits based on credit worthiness for revolving lines of credit. For a charge card (such as Green, gold, platinum, and Premier Rewards Gold card) you are applying for the ability to charge things and pay the full amount when it is statement time. (There is no APR for this because you are simply paying for what you've purchased, but you get rewards for using American express network -- and they get the swipe fees from you just using your card with the specific retailer.)
People often times apply for a charge because it's more lenient than the revolvers, and they figure they'd rather have the most bang for the buck so to speak with 2 accounts for one hard pull. IE: PRG and then they turn around and app for the Blue Cash or new Everyday card that is out now... but both of those are practically for the same HP. Sometimes that happens and sometimes not. There is comfort in knowing that when you apply for the revolver after approval of the charge that usually if denied that you won't receive a hard pull on your report like one does with other credit card companies. Also, people also like the fact that if they're denied for the revolver they at least know that they have cemented their member since date and they're also building their internal score with Amex for that application later on.
It really just depends on what you want and also how much you want it! One of the best lines of advice I've ever read (ok that's a little dramatic, but it's still true!) about credit is this: Apply for the card you want. Not what you think you'll get approved for or settle for, go for what you want, because you will always have in the back of your mind the one you wanted and won't be too happy about not getting it.
Wishing you the best of luck!
Well I got declined for the PRG Card.. The really leaves blue out of the question...
@Insaniak wrote:Well I got declined for the PRG Card.. The really leaves blue out of the question...
Sorry to hear that. Were you able to pull up the denial letter online or do you have to wait for the mail?
Not sure how to pull it up online.
@Insaniak wrote:Well I got declined for the PRG Card.. The really leaves blue out of the question...
I'm sorry that you weren't approved. I would just focus on the reasons and try to go from there. You'll get it eventually!
@Insaniak wrote:Not sure how to pull it up online.
https://www262.americanexpress.com/eaol/welcome.do
I think this might be it.
Wont let me view them online it says cannot be accessed try later.