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Established Contributor
TheCreditKid
Posts: 620
Registered: ‎08-14-2010
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If you're a AMEX member would it be easier for future approvals?

I'm a new Zync member with AMEX( 2 months now), but I would like to have a Blue sometime in the near future. I don't want to product change because I still want a charge card. However, I do want another AMEX card, so would It be easier for approval if I apply within 6-12 months from now?

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All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Epic Contributor
Creditaddict
Posts: 22,098
Registered: ‎10-23-2007
0

Re: If you're a AMEX member would it be easier for future approvals?


TheCreditKid wrote:

I'm a new Zync member with AMEX( 2 months now), but I would like to have a Blue sometime in the near future. I don't want to product change because I still want a charge card. However, I do want another AMEX card, so would It be easier for approval if I apply within 6-12 months from now?


6 months is my magic number for amex in my opinion

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
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Regular Contributor
iluvmyfico
Posts: 163
Registered: ‎03-10-2008
0

Re: If you're a AMEX member would it be easier for future approvals?

Yeah it seems to be easier based on what I've read.  Congrats on being "in"

 

When/If I get in, I plan on waiting 12 months, but definitely at least 6.....

New Contributor
CrdtLrnr
Posts: 69
Registered: ‎06-28-2010
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Re: If you're a AMEX member would it be easier for future approvals?

[ Edited ]

Using your current AMEX CC and paying in full each month will give you important credit history specifically with AMEX.  The AMEX CSRs I have talked with told me this is a consideration in their application approval process.   The following link will take you to some information that AMEX uses for business accounts.  I believe there isn't much difference when they are looking at applications for personal accounts. :smileywink:

 

http://www212.americanexpress.com/dsmlive/dsm/dom/us/en/smallbusiness/smartcreditguide/credit_and_yo...

Established Contributor
TheCreditKid
Posts: 620
Registered: ‎08-14-2010
0

Re: If you're a AMEX member would it be easier for future approvals?

Thanks for the informations!!!

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Frequent Contributor
mauwow0682
Posts: 288
Registered: ‎08-24-2010
0

Re: If you're a AMEX member would it be easier for future approvals?

Also you can't product change from a charge card to a revolving card. Its a new application because its a totally different product in their eyes so its a "hard pull" by it self. I've been hearing 6 months is the magic number too.


Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


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Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: If you're a AMES member would it be easier for future approvals?

Hi

 

Six months may be the agreed standard, but I was lucky to get my second AMEX charge card 2 months after the first one!

 

After reading all the positive comments by so many getting cards from AMEX, I thought I would try for the second one while they were generous and the only thing I had to loose was a hard inquiry which I could afford to give up on Experian.

 

It was not instant and took 4 days, but in the end, it arrived and I just activated it. 

 

 

Frequent Contributor
mauwow0682
Posts: 288
Registered: ‎08-24-2010
0

Re: If you're a AMES member would it be easier for future approvals?

What card did you get? And what was your first product?

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


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Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: If you're a AMES member would it be easier for future approvals?

Zync first, Platinum today. 

 

TU just over 700, EQ 690, EX??? and had 2 inquiries before this 3rd one but 2 of 3 are from AMEX in just the past 60 days, they hard inq me both times.  Zync was instant and Platinum took 4 days.

 

 

Epic Contributor
Creditaddict
Posts: 22,098
Registered: ‎10-23-2007
0

Re: If you're a AMES member would it be easier for future approvals?

why would you want 2 personal charge cards?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

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