UPDATE: I want an AmEx that I'm not pre-qual'ed for; thoughts? advice?

[Anonymous]

apply for what you want! revolvers are usually tougher but if your credit profile is good you should be good to go.

[RSCo]

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@Sharingan wrote:

Although anecdotal evidence on these boards suggests that the American Express revolvers are harder to obtain than the charge cards, I would still think that a cold app would be successful. I once had 5 American Express cards (Zync, Platinum, BCE, SPG, EDP) at one point, and was never preapproved for any of them. Additionally, the only one I was ever instantly approved for was the EDP that I received in March. You will stand a very good chance if you can achieve >700 scores. Good luck when you decide to apply.

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exactly my experience... oddly, i've never been pre-qaulified for any of the amex or chase cards but yet I've been approved instantly for all of them.. Have 4 Amex's and 3 Chase..

[Anonymous]

i had 640-650 when i got the ED, which has the same underwriting as the BCP/BCE. i haven't gotten any prequals either

[stellar]

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Amex is pushing their charge cards.  Makes more money (they lost Costco and jet blue).  I cold apped BCE.  I think you would qualify for a revolver, but your SL might be lower.  I would wait till reports clean or util below 10% ( whatever is affecting your scores) for best deal.  The 3x CLI seems to be dependent on scores, and Amex isn't partial to store cards.  Just my experience.

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What does that mean?

[SouthJamaica]

IMHO you should wait.

And don't bother with the charge cards.

[Anonymous]

Thanks, everyone, for the responses. I have plenty of time to wait and see where my scores are at and revisit the idea.

@SouthJamaica I like that idea. Thank you.

@stellar I believe that means AmEx doesn't like store cards on your report.

[SouthJamaica]

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@Anonymous wrote:

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@SouthJamaica I like that idea. Thank you.

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Most welcome

[Anonymous]

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@Anonymous wrote:

Thanks, everyone, for the responses. I have plenty of time to wait and see where my scores are at and revisit the idea.

@SouthJamaica I like that idea. Thank you.

@stellar I believe that means AmEx doesn't like store cards on your report.

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I doubt they care.

[Anonymous]

So I just checked the pre-qual site now and now it shows:

Green

Gold

Every Day (12.99% APR)

I thought I read somewhere the EveryDay and the Blue Cash cards have similar UW? Either way, I think it means I'm moving in the right direction if I'm qualifying for their revolvers now.

[Anonymous]

Miss Drums! I'm excited for you. I do have to say, though, I had 5 comenity cards all @ 250 limits when I was instantly approved fotr $1500 BCE. So they must not have too much of a negative predisposition towards them. Unless you consider $1500 a crap SL - which in my case, it was twice what I had in bank cards combined. 

Please keep us posted. For some reason I very much remember your big Cap One approvals and have paid close attention to you since.