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Which is the easiest to get per company

Regular Contributor

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 plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 1 of 5
4 REPLIES
Established Contributor

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



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 2 of 5
Regular Contributor

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.

 

 

 

 




Message 3 of 5
Valued Contributor

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

 

 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 4 of 5
Established Contributor

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. 

Amex BCE $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Message 5 of 5