General Credit Topics

[jizoe182]

---

loloswims wrote:

Considering the clear has no late, overlimit, annual, balance transfer or cash advance fees I would think it would be harder to get than the blue. It is a matter of risk.

---

It is harder to get. Clear > Blue.

[Jamesus81801]

Apparently you can only convert when activating the card, I just called to inquire, prior to getting my card in the mail, and I was told by the CSR that I would have to reapply in order to get a different card. 

[db23]

AMEX Clear has a minimum CL of $4,000 - AMEX Blue has a minimum CL of $1,000.

As it is harder to get a card with a CL of 4K over one that is 1K, Clear is harder to get than Blue.

[Jamesus81801]

That makes sense to me, I would try for the Blue then... I would ask you this though... I applied and was approved on the 20th, if I wanted to just flat out apply for the Blue now online, would they pull another hard INQ into my credit or would they realize that I had just applied for the other and just use that info again?

[jizoe182]

---

Jamesus81801 wrote:

That makes sense to me, I would try for the Blue then... I would ask you this though... I applied and was approved on the 20th, if I wanted to just flat out apply for the Blue now online, would they pull another hard INQ into my credit or would they realize that I had just applied for the other and just use that info again?

---

Since you are reapplying, you are giving them authorization to go mess with your credit once again. It's mostly automated I believe.

[db23]

AMEX = 1 Hard per 1 Application

Only credit unions will process several applications using 1 Inq within a certain time frame.

For CLIs AMEX generally uses your history with them, so a good payment history could lead to CLI and that could lead to a possible card upgrade all without a HARD Inq.

[Jamesus81801]

Hmmm... Okay, Thanks for the input!  I'll wait 'til I get the card and ask to convert then, I really don't have a need for two Amex cards, as I am in the process of requesting a recon with Citi... We'll see how well that goes first...

[jizoe182]

---

db23 wrote:
For CLIs AMEX generally uses your history with them, so a good payment history could lead to CLI and that could lead to a possible card upgrade all without a HARD Inq.

---

Really??!! Sweet deal! I'll wait a couple more months for my CLI on the Blue. I want to see if they can automatically increase my limit. Thanks!