Prime card that I should apply for

Anonymous · ‎07-26-2015

Once my scores reach 660 on my experian. Which cards should I apply for? I was looking to upgrade my Macy's to the Amex. Which of the Amex cards can you get with a 660 experian?

Closingracer99 · ‎07-26-2015

@Anonymous wrote:
Once my scores reach 660 on my experian. Which cards should I apply for? I was looking to upgrade my Macy's to the Amex. Which of the Amex cards can you get with a 660 experian?

I would wait until your scores are higher imo. You might be able to get them but if you wait until your scores are around 700 you'll have a lot better chance. should only be a few months

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

NRB525 · ‎07-26-2015

@Anonymous wrote:
Once my scores reach 660 on my experian. Which cards should I apply for? I was looking to upgrade my Macy's to the Amex. Which of the Amex cards can you get with a 660 experian?

You can try for the Delta Gold AMEX, that seems to be popular as a mid-high-600's first AMEX, no AF the first year. The Every Day or the Blue Cash Everyday are also possibilities.

Good luck!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Closingracer99 · ‎07-26-2015

@NRB525 wrote:
@Anonymous wrote:
Once my scores reach 660 on my experian. Which cards should I apply for? I was looking to upgrade my Macy's to the Amex. Which of the Amex cards can you get with a 660 experian?
You can try for the Delta Gold AMEX, that seems to be popular as a mid-high-600's first AMEX, no AF the first year. The Every Day or the Blue Cash Everyday are also possibilities.
Good luck!

Why go for it? If he isn't planning on using Delta why bother? Wait a few months for your scores to go up and then a much easier chance at getting cards he really wants

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Anonymous · ‎07-26-2015

ya dont get the delta unless u need the 30-60k miles.

At 670 I was able to get the ED. Apply for the ED first.

why dont you apply for the PRG charge card and get 50k bonus and $200 in airline gift cards after 333 spend a month for 3 months...

So apply for ED first, then PRG second, but make sure you google around in private browser for 50k offer. That way you will have 60k points after 2k spend in 90 days. Worth up to 1200 in travel on average.... a 2 for 1 punch on experian..... 2 cards, 1 pull. and worst case scenario they deny you for ED you can still get PRG i guarantee it.

NRB525 · ‎07-26-2015

@Closingracer99 wrote:
@NRB525 wrote:
@Anonymous wrote:
Once my scores reach 660 on my experian. Which cards should I apply for? I was looking to upgrade my Macy's to the Amex. Which of the Amex cards can you get with a 660 experian?
You can try for the Delta Gold AMEX, that seems to be popular as a mid-high-600's first AMEX, no AF the first year. The Every Day or the Blue Cash Everyday are also possibilities.
Good luck!
Why go for it? If he isn't planning on using Delta why bother? Wait a few months for your scores to go up and then a much easier chance at getting cards he really wants

The question was "Which AMEX can I get with a 660?" I don't think I detected any preferences or plans in that question. The Detla is accessible for someone in that score range and the 35k miles are an easy bonus, along with the no AF first year.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎07-26-2015

why do you need an amex?

NRB525 · ‎07-26-2015

@Anonymous wrote:
why do you need an amex?

Well, there's the MR points, the charge card flexibility that certain spend types do well with, the links to certain travel partners that can be unique to AMEX, the AMEX Offers for specific spend items, more of their cards are getting no FTF, the types of cash back or points earning appeal to certain spend profiles....

Kind of like asking why do you need any credit card, right?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

sandsanta · ‎07-26-2015

Not to be a hater but I don't think most peoples spend profile lends them to benefits significantly from an Amex, most of which have AF's that push spend requirements pretty high.

Anonymous · ‎07-26-2015

NRV525 - no. it's nothing like asking why someone needs a credit card. if someone "needs" a credit card then they're setting themselves up for failure. credit cards should be our financial tools to make money or save money, that's it.

also, you just told me FEATURES of the amex, but not one benefit that applies to the OP. MR points aren't for everyone, and that includes me. my amex ED was a mistake. completely useless to me.

so, back to the question: OP, why do you need an amex?