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

Established Contributor

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
13 REPLIES
Epic Contributor

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

Regular Contributor

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

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

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. Smiley Wink

 

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

Established Contributor

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

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.


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Frequent Contributor

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

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


Take the FICO Fitness Challenge
Frequent Contributor

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

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

why would you want 2 personal charge cards?