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Contributor
coachmiff
Posts: 94
Registered: ‎01-14-2013

Which is the easiest to get per company

Looking for a prime card--seeing here their are so many options within each company

1) American express--which one of theirs is the easiest

 

2) chase same question

 

3) BOA

 

4)citi

 

scores 700 across the board--util 1%--income 46K

 

thanks!

 

Wallet: navy 7k, military star 2.5,usaa 1.5, wallmart 600--rebuilding

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: Which is the easiest to get per company

1) Go for a charge card, they are normally easier to get

2) Check the pre approval page and go for that

3) no idea

4) Check the pre approval page and go for that

 

Good luck


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012

Re: Which is the easiest to get per company

I have 720 score, low AAOA and about 8 inquiries. The only ones that would give me credit out of the major banks was Chase. So in my opinion and in my experience, it was Chase that was willing to give me a chance. The thing is, I have a bank acct with chase so not sure if that was a factor in the decision. Have had an acct for 5 years.

 

Barclays

Citi

Amex

Discover

 

all declined for reasons ranging from inquiries to too much new credit and not enough history. My girlfriend who has about 7 years of great history was denied for American Express due to inquiries but she was able to get Chase, Citi (low limit) and Barclays. Seems like as long as you don't have a lot of inquiries (less than 5 or 6 or so). Barclays sould be able to get you approved if you have a few years of good history.

 

 

 

 




Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Which is the easiest to get per company


coachmiff wrote:

Looking for a prime card--seeing here their are so many options within each company

1) American express--which one of theirs is the easiest

 

2) chase same question

 

3) BOA

 

4)citi

 

scores 700 across the board--util 1%--income 46K

 

thanks!

 

Wallet: navy 7k, military star 2.5,usaa 1.5, wallmart 600--rebuilding


IMO and YMMV

 

1) AMEX Charge cards

2) Chase Freedom or Slate

3) Dont know

4) CITI Thank you or Simplicity

 

 


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
ilovelisa
Posts: 371
Registered: ‎12-07-2012

Re: Which is the easiest to get per company


chnceit wrote:

coachmiff wrote:

Looking for a prime card--seeing here their are so many options within each company

1) American express--which one of theirs is the easiest

 

2) chase same question

 

3) BOA

 

4)citi

 

scores 700 across the board--util 1%--income 46K

 

thanks!

 

Wallet: navy 7k, military star 2.5,usaa 1.5, wallmart 600--rebuilding


IMO and YMMV

 

1) AMEX Charge cards

2) Chase Freedom or Slate

3) Dont know

4) CITI Thank you or Simplicity

 

 


I think with BOA any of the BankAmericard cards would be the easiest. 


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