Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 224
Registered: ‎08-03-2010
0

Easiest American Express To Get?

Hello there, I don't want to keep anyone hostage on here so I will make it short and simple.

 

AAoA is 2 years, I already have an American Express Zync (which I LOVE). I feel it helps me a lot with my spending power, but that's besides the point. I've had it for about 6 months, and I heard that building a relationship with an AmEx Charge Card increases your chances for an AmEx Credit Card, is that correct?

 

My UTL is >25%. Never missed a payment, no baddies what soever. My last inquires were about 5 and that was 6 months ago. 

 

My score is in the 645-670 range.

 

Which American Express Credit Card do you guys feel I might qualify for? I heard the Gold Delta is pretty easy to get nowadays, and I want some travel rewards. What cards do you guys prefer? 

 

Thank you!

Regular Contributor
Posts: 224
Registered: ‎08-03-2010
0

Re: Easiest American Express To Get?

*Bump* Even some advice would be greatly appreciated. 

Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Easiest American Express To Get?

Easy to get?  It depend ~ case by case.   You may want to wait until bring your util down and your score reaches avobe 700 for more better chance.

 

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Super Contributor
Posts: 8,180
Registered: ‎05-23-2009
0

Re: Easiest American Express To Get?

I think the Amex Green Charge is easiest to get next to Zync.

 

 

Ron.

Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Easiest American Express To Get?

Their Charge Cards are easier to get than their revolvers.

 

Get your util down to 9% or lower, your scores should go up enough to qualify for the AmEx Green like Ron said.

 

I just got the AmEx Blue Cash 3/30/11 and called in for a CLI yesterday (2000CL to start, 6000CL now)

 

AmEx is a great CCC, superb CS, not to mention the backdating!!!!

 

And many many more perks.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Regular Contributor
Posts: 146
Registered: ‎08-06-2009
0

Re: Easiest American Express To Get?

Your score is too low..wait till you cross 720 to apply and have zero balance on your current card. 


grigorexxxcore wrote:

Hello there, I don't want to keep anyone hostage on here so I will make it short and simple.

 

AAoA is 2 years, I already have an American Express Zync (which I LOVE). I feel it helps me a lot with my spending power, but that's besides the point. I've had it for about 6 months, and I heard that building a relationship with an AmEx Charge Card increases your chances for an AmEx Credit Card, is that correct?

 

My UTL is >25%. Never missed a payment, no baddies what soever. My last inquires were about 5 and that was 6 months ago. 

 

My score is in the 645-670 range.

 

Which American Express Credit Card do you guys feel I might qualify for? I heard the Gold Delta is pretty easy to get nowadays, and I want some travel rewards. What cards do you guys prefer? 

 

Thank you!


 

Regular Contributor
Posts: 224
Registered: ‎08-03-2010
0

Re: Easiest American Express To Get?

Thanks for your guys' advice, I will continue to do so. I would prefer a credit card, rather than a charge card. But I would like to eventually have the AmEx Gold, would it be easier to apply for the Green and then upgrade to the Gold in the future?

 

Thanks again!

Frequent Contributor
Posts: 392
Registered: ‎11-27-2010
0

Re: Easiest American Express To Get?

I got the Delta Gold card about a month ago and I couldn't be happier. People complain about the annual fee but I question their math abilities. Two tickets for my GF and I cost us about $1150 and now with the companion ticket every year it's going to cost about $675. Plus I can check a free bag for up to 9 people in my party which is a round trip savings of $50 per person. I also got the 20,000 bonus miles which is basically $200 off the cost of a ticket. I feel like I'm ripping them off considering the fee is waived for the first year. If you feel like taking a chance on an inquiry from AmEx I highly recommend the Delta Gold card. My scores were in the 720s when they checked my report but I've seen and heard of people with worse scores than you getting approved for the card.

 

Good luck


Starting Score: 703
Current Score: EQ 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge
Regular Contributor
Posts: 224
Registered: ‎08-03-2010
0

Re: Easiest American Express To Get?

Dr.Smith: Wow really? That is what I was thinking as well, I plan to travel myself in the mere future so that is why I would like a travel based card. I was on financeglobe.com and was reading that people with scores in the low/mid 600's were being approved, so that is why I wanted to try for this card. I plan on getting my UTL down to >10% and apply, at least then I can see what AmEx says so I know what to work on. An AmEx representative told me "It is much easier now to get a revolving card with AmEx than ever before." She even preferred me to apply for an AmEx credit card than a charge card.
Frequent Contributor
Posts: 392
Registered: ‎11-27-2010
0

Re: Easiest American Express To Get?

I guess the annual fee wouldn't bother me even without all the perks. The few times I've had to talk with an AmEx represenative I've been very pleased with their customer service. I honestly only fly maybe once or twice a year, but like I said the free checked bag and $99 companion ticket alone makes up for the annual fee. On the other hand i am a new AmEx customer and I've read some posts where people are less than thrilled with them. Maybe someday I'll feel differently about them, but for now I couldn't be happier with my choice.


Starting Score: 703
Current Score: EQ 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.