topic Re: Easiest Amex revolver except for Delta? in Credit Cards

Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 12:05:32 GMT

Any other revolver that has same or similar UW criteria? I appreciate all responses!

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 12:13:23 GMT

They all have similar underwriting criteria. I thought you were going to wait until you apply again?

Re: Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 12:38:13 GMT

I dont want to wait 30 days since last decline, thats why looking for something else

Re: Easiest Amex revolver except for Delta?

CreditCuriosity — Thu, 09 Apr 2015 13:53:52 GMT

Everyday starts with a 500 limit, so guessing it might be the easiest?

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 14:00:12 GMT

@CreditCuriousity wrote:
Everyday starts with a 500 limit, so guessing it might be the easiest?

Maybe but the OP needs to wait to apply for any card.

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 14:28:05 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
Everyday starts with a 500 limit, so guessing it might be the easiest?
Maybe but the OP needs to wait to apply for any card.

Yes he needs to wait. There is no "easier" Amex to get. As much as I know he doesn't want to hear this he needs to wait and seek advice here on how to move forward.

OP this forum is a great learning tool, but it can also be a bad thing if you get out of hand with your credit. Ask lots of questions and use all the knowledgable people here to help you start to build your credit and be on the road to a successful credit history. We all had to start out new and it can be hard at first but it is well worth it in the end when you don't have to worry about "being accepted" for new credit.

Best advice we can all give you at this point is to NOT APPLY for any new credit right now. Sorry if this sounds harsh I don't mean it to we are all here to help you

Edit: Looks like I misinterpreted. I thought you were new to credit but it looks like you have history (although maybe bad history?). We need more information about your history and scores to better be of help to you.

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 14:40:13 GMT

@Anonymous wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
Everyday starts with a 500 limit, so guessing it might be the easiest?
Maybe but the OP needs to wait to apply for any card.
Yes he needs to wait. There is no "easier" Amex to get. As much as I know he doesn't want to hear this he needs to wait and seek advice here on how to move forward.

OP this forum is a great learning tool, but it can also be a bad thing if you get out of hand with your credit. Ask lots of questions and use all the knowledgable people here to help you start to build your credit and be on the road to a successful credit history. We all had to start out new and it can be hard at first but it is well worth it in the end when you don't have to worry about "being accepted" for new credit.

Best advice we can all give you at this point is to NOT APPLY for any new credit right now. Sorry if this sounds harsh I don't mean it to we are all here to help you

Edit: Looks like I misinterpreted. I thought you were new to credit but it looks like you have history (although maybe bad history?). We need more information about your history and scores to better be of help to you.

He has a history, but it's a short one, only 5 months. He doesn't have any scores yet and he's been declined for his credit being too new and too many inquiries. He says the small amount of credit that he does have is good though.

OP, Irish has given you some really sound advice across multiple threads about waiting. If you were turned down for accounts being too new and your inquiries, waiting is really the best thing to do, that's the only way you can address those particular issues. Building credit is a marathon, not a sprint. It takes time, patience and perseverence. If you keep going at this rate, the creditors are going to keep saying the same things, and you're most likely going to keep being denied. If you do manage to eek out an approval, it probably won't be on the best terms. Please take the advice that you have been given and have some patience.

Re: Easiest Amex revolver except for Delta?

jsucool76 — Thu, 09 Apr 2015 14:41:24 GMT

"Hey, I just got denied for this card, so I'm going to apply for another card with the same underwriting criteria. They'll approve me, right?"

That is essentially what you're saying OP. Think about it.

Re: Easiest Amex revolver except for Delta?

SecretAzure — Thu, 09 Apr 2015 14:45:14 GMT

@jsucool76 wrote:
"Hey, I just got denied for this card, so I'm going to apply for another card with the same underwriting criteria. They'll approve me, right?"

That is essentially what you're saying OP. Think about it.

OP you have some of the most brilliant minds in this entire forum giving you advice, I'd take it.

Play the waiting game with us. 11 more months and you'll be set. March 2016! You can do it!!

Re: Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 14:58:09 GMT

Credit-by far the worst addiction on the planet. I want to keep applying, but manage to hold my self)

Re: Easiest Amex revolver except for Delta?

TheGardner — Thu, 09 Apr 2015 14:59:17 GMT

With the loss of backdating there is absolutely no reason to rush for the easiest Amex just to get in. The cards will in no way help your profile immediately or on future cards. Simply getting "in" will not help in any way except SP denials if that is even still a thing (unknown at this point).

Take your time, when your profile improves try again. For a card that is useful to YOU! As that would be the only benefit of having these cards now going forward.

People are getting approval with mid 600 scores with the right profiles. This company is no longer "exclusive " so don't buy in to the hype and get saddled with a high AF card that you have no use for just to say you have it when all you have is a sub par rewards card because you thought it was cool.

Re: Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 14:59:39 GMT

So with 5 cards in hand, i should now stay away from amex til March 2017?(

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 15:01:11 GMT

@orestrus wrote:
Credit-by far the worst addiction on the planet. I want to keep applying, but manage to hold my self)

It can be very addictive but we are all here for you! I promise you that once you establish great credit (good scores, good history, no derogs, low inqs) you will be so much happier. When the time comes and you get that first high SL, low APR beast of a card you always wanted you will feel much better then. Just learn all you can here and do your research. Your day will come my friend and with some hard work it might be sooner than you think

Best of luck to you and we are all here for you.

Re: Easiest Amex revolver except for Delta?

SecretAzure — Thu, 09 Apr 2015 15:02:02 GMT

@orestrus wrote:
So with 5 cards in hand, i should now stay away from amex til March 2017?(

March 2016. At that point you will have over a year (if my math is correct, which it might not be) of AAOA and a much thicker profile.

Re: Easiest Amex revolver except for Delta?

TheGardner — Thu, 09 Apr 2015 15:02:27 GMT

Jan 16 should be enough to get a card, if you keep utilization low and payment history clean.

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 15:03:29 GMT

@orestrus wrote:
So with 5 cards in hand, i should now stay away from amex til March 2017?(

There doesn't have to be a set date. It's all about what you NEED it for. That could be 6 months from now, 2 years, or even never. Only you can answer that question. Everything else we can answer and help you with but your needs are ultimately for you to decide

All we can say for sure right now is STOP APP'ing for anything until it's the right time.

Re: Easiest Amex revolver except for Delta?

TheGardner — Thu, 09 Apr 2015 15:11:18 GMT

In 6 months your needs will be closer to your profiles capabilities. Sure, everyone can use a better credit line.. But experience and discipline will get you those. 50 wasted inquiries will only get you toy limits that are unusable and horrible cards just to say you have them.

Do you want 50k over 30 Store cards and 2 majors or 80k in 8 Majors and 2 store cards?

The choice is yours and you are currently setting the foundation for what your profile will look like in 2 years.

Think longer term, it's hard in today's instant gratification world but that's how you win at this "game "

Good luck!

Re: Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 15:11:19 GMT

Guys, you truly amazing people! Im of russian origin, and is impressed beyong imagination whith the qualities i see in american people.

Re: Easiest Amex revolver except for Delta?

Anonymous — Thu, 09 Apr 2015 15:16:39 GMT

@orestrus wrote:
Guys, you truly amazing people! Im of russian origin, and is impressed beyong imagination whith the qualities i see in american people.

Well this forum is pretty great

Good luck with your future credit endeavors!

Re: Easiest Amex revolver except for Delta?

orestrus — Thu, 09 Apr 2015 15:23:20 GMT

In movies, newspapers, tv and radio we have been brainwashed with anti american propoganda. They made your nation look like a bunch of greedy, senceless, careless ppl. Just feelincreadibly ashamed for those who bought these stupid propoganda. more i get to know americans, more i fall in love with what your country is all about. Also lived for sometme in Canada-not as nearly impressed with them..)