Credit Cards

[londonhogfan]

I want to get an AMEX card sometime this year but  was recently turned down for the Blue card. Is there a certain card that is easiest to get approved for?

[chnceit]

Green and Gold charge cards and Delta Gold for revolver.

[SwiftTone]

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chnceit wrote:

Green and Gold charge cards and Delta Gold for revolver.

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...really? I thought all the charge cards had the same requirement?

[londonhogfan]

Thanks for the info. I would have thought the Blue or Clear were their easiest cards.

[chnceit]

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SwiftTone wrote:

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chnceit wrote:

Green and Gold charge cards and Delta Gold for revolver.

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...really? I thought all the charge cards had the same requirement?

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Sorry the Green, Gold and PRG, but the Platinum has a higher requirments as what I read on here. Correct me if I am wrong. Also upgrading to PRG is not guaranteed as well. 

[Johnny_Favorite]

I just got approved for delta gold. My aaoa is 1.2 years with multiple accts opened in the past 60 days as well as 10 inquiries. They started me off with 1000 limit.

[Repo-ed]

www.whogavemecredit.com

Personally, I would app for the Green Charge card and THEN the delta gold immediately afterwards for best possible chance of approval of both.

YMMV

[Elcid89]

Amex likes:

stability - i.e. not a lot of recently opened accounts, not many inquiries and no overtuilization. They also like to see existing accounts that are at least a year old (and probably longer).

They have an internal scoring formula which takes many factors, including income, into account. Assuming none of the stability problems above apply to you, I'd start with the green, and build a relationship with them. Treat them right and they'll return the favor.

[j_casteel]

Everyone says charge cards but a lady at AMEX EO said the Blue was the easiest card to get out of everything, but who know and as always YMMV. Based on the posts here usually people will get a Green and immediately app for the Delta Gold to get 2 cards on 1 HP, and then PC the Delta to a BCE/P. 

[chnceit]

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j_casteel wrote:

Everyone says charge cards but a lady at AMEX EO said the Blue was the easiest card to get out of everything, but who know and as always YMMV. Based on the posts here usually people will get a Green and immediately app for the Delta Gold to get 2 cards on 1 HP, and then PC the Delta to a BCE/P. 

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Yeah this is a first I hear of this because AMEX is a charge card company that doesnt really like revolving debt. But hey a lot of companies are changing now a days. Look at their charge cards that are part revolver