Now that Zync is gone......

[WhiteCollar]

Now that Zync is gone, what is the best way to get your foot in the door with AMEX? I'm not a fan of charge cards, more interested in their revolvers. I really, really, I'm mean really the Costco True Earnings card but I've heard that's not the best card to app for if you are new to the AMEX family. I've heard of folks getting the Delta SkyMiles Gold card and doing a PC later. I'm open to taking that route.

Thanks in advance for your suggestions!

[webhopper]

Starwood preferred guest and delta skymiles gold, even the blue....

Good luck!

[CreditScholar]

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.

[ccnewcc]

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@CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.

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Easier than the blue cards?  Blue, sky and Cash?

Why would this be?  cuz of the AF?

[searchingfor67]

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@CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.

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+1

[Repo-ed]

I just got the old a couple of weeks ago w/ the scores in my sig and less than 3 yeas AAoA and one 5 year old repo

[nicholasyud]

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@CreditScholar wrote:

It really depends on what your profile is like. Green would probably be the next easiest card to qualify for, and Delta Gold is the easiest revolver to qualify for by a large margin. SPG on the other hand is one of the hardest.

If you have scores in the 700s, a decent income, AAoA of 2-3+ years, no recent or major derogs, and at least 1-2 cards with moderate-sized TLs (5k or higher), getting an Amex revolver without a charge card isn't too difficult. If your scores are under 700, you might be better off applying for the green first. There are also reports of people getting a Delta gold with ~680 FICO.

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I got approved for Delta with 675....They told me im border line with toys limit of 1k.......i also apps for the green card on the same day too......

Hope its help

[ccnewcc]

Okay so Amex will approve you for the gold with scores of 650-675 with some negatives.

But they won't approve you if you don't have any revolving credit will they?

The gold can't be that easy.  Can it?  lol!

ETA:  And are we talkin approval with recon or instant approval?  Amex can't be that lax with the gold?  Can they?  lol

[Repo-ed]

www.whogavemecredit.com

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@ccnewcc wrote:

Okay so Amex will approve you for the gold with scores of 650-675 with some negatives.

But they won't approve you if you don't have any revolving credit will they?

The gold can't be that easy.  Can it?  lol!

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They started me out with $2800 CL w/ 650 score.

Then again, I also have a Zync NPSL for close to 6 months, so that may have helped offset the low score and derog

[ccnewcc]

Yeah im sure the zync helped in that case.  But 2800CL with 650 and a repo.  Wow.

Congrats to you!