Green vs Plum Card

[real_madrid09]

Is it true that if you can get approved for the Green Card, you can get approved for the Plum? 

[sandsanta]

The Green what?  The Plum is a Business card. 

[real_madrid09]

The Green Business card. 

[Anonymous]

I have a platinum and a plum. I got a gold then upgraded to a platinum about a year before going for the plum. Plum is kind of a special card and I'm sure Amex likes to see some history. If you credit is rock solid and you have high limits go for it.

To be honest these days I use my Chase Ink more.

[Red1Blue]

I have both Platinum Charge and Plum Cards. They use a different criteria to approve Plum card. If you are an a Amex member, they do not do hard inq and it does not hurt your scores to apply for plum. If they do approve it then there will be a hard inq your credit report.

[real_madrid09]

I have almost 6 months of 'perfect' history, and I'm looking for a business charge card. 

What if I apply for the Plum card first, and if I get denied, I apply for the Green? Would that count as one hard inquiry or two?

[bichonmom]

I believe the rule that was referred to w/Amex is, if you have one of their cards and app for another, it's a soft hit unless they approve you. Then it becomes hard. I'm not sure if they'd do a recon to a different card if you were declined without another inquiry. Though I did see someone here recently who ended up with like 4 inquiries in about 1 week because they app'd for, and were denied, several different Amex products. Plus, Amex hit different CRs, too.

I'm sure there are others here who could answer for sure.

[Red1Blue]

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@real_madrid09 wrote:

I have almost 6 months of 'perfect' history, and I'm looking for a business charge card. 

What if I apply for the Plum card first, and if I get denied, I apply for the Green? Would that count as one hard inquiry or two?

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It is safe to apply for Amex Biz Gold Card as the chances are high for approval and wait 6 months and then apply for Plum. Plum is much harder to get approved than gold.

[real_madrid09]

Thanks for the tip. What about Green vs Gold Rewards in terms of approval chances. Especially for me, since I only have 6 months of history. 

[Creditaddict]

I would apply for Plum and if you don't get that go back and apply for Green or Gold but I really don't think Plum is harder to get then Green-Platinum...

I think we should be careful about constantly posting that one Charge Card is harder then the next Charge Card... Why would Amex make it easy to get a card that makes them $25 a year in annual fees but make it super hard to get a Charge card that makes them $450 a year... they are all Charge Cards and Amex could set your charging ability to $500 if they wanted until they got to know you!

Now when you get into actual Credit Card products with Amex then I do believe some are easier then others but they have more to loose on those potentially.