topic Re: American express in Credit Cards

American express

Anonymous — Fri, 31 Aug 2018 07:30:35 GMT

Well guy my fico 8 on Experian is 702 with 10 Inquires with average age of account is 7 months I got a pre qualified I was thinking about the ED and green charg card any chances of me geting

Re: American express

Caught750 — Fri, 31 Aug 2018 08:44:30 GMT

If you got pre approval offers on their page then chances are good you'd get approved for both. If you're interested in the 2 for 1 you can apply for a revolver and charge card on the same say and potentially only get 1 HP. The UW criteria is supposedly the same among all of the charge cards so PRG and Platinum are also options depending on your spend and what you'd like to get out of the cards.

Re: American express

Cred4All — Fri, 31 Aug 2018 12:02:31 GMT

Agree with the post above. If you have a use and an interest, many recommend the Charge and Revolver in the same day for the same HP (If you are not already an Amex holder.) I'd also guess that many including myself would steer you to considering a different charge, as the Green card won't necessarily be the long-term performer for you.. (maybe the Gold Card or PRG instead.) I'm not personally up to speed on the length of profile Amex likes to see, as that's the only part that sticks out to me based on your profile, 7 months is a bit short. However, if you were pre-approved on the Amex site then you have a significantly strong chance!

Re: American express

Anonymous — Fri, 31 Aug 2018 13:19:29 GMT

The Blue Cash Everyday (BCE) card is a good card to have and earns you 3% cash back on groceries and 2% on gas.
If you are preapproved for the ED card, I am sure that you will also be able to get the BCE card as well.
I would not myself get the green charge card.
The PRG card is a good one to get, especially if you can get a 50,000 MR points sign up bonus.

Re: American express

SomewhereIn505 — Fri, 31 Aug 2018 14:09:28 GMT

I wanted to get in with AmEx and build a relationship with them. That is why I went with ED initally and BCE a month later. As the saying goes, treat them well, and they'll treat you well. They're now my highest card limit.

Re: American express

Anonymous — Fri, 31 Aug 2018 14:51:17 GMT

@SomewhereIn505 wrote:
I wanted to get in with AmEx and build a relationship with them. That is why I went with ED initally and BCE a month later. As the saying goes, treat them well, and they'll treat you well. They're now my highest card limit.

But not too much point in having ED and BCE, Do you do 20 transactions a month on ED?

Re: American express

Anonymous — Fri, 31 Aug 2018 16:09:25 GMT

A week before my fico 8 was 668 and I was pre approv for the ED BCE and the green card now I'm pre approv for the cash magnet and ED I wood like the gold card do u guys think i can get in with them

Re: American express

Anonymous — Fri, 31 Aug 2018 16:10:09 GMT

What was your score at the time you apped

Re: American express

Anonymous — Fri, 31 Aug 2018 16:12:21 GMT

No I do less then 20

Re: American express

Caught750 — Fri, 31 Aug 2018 16:19:25 GMT

PRG and ED are a good match. Look at the MR bonus on ED and you'll see why we are asking about 20 swipes per month on it. If you have a revolver pre approval and green pre approval yes it is very likely you could get ED and PRG. As sure as anything in credit can be, anyway.

Re: American express

Anonymous — Fri, 31 Aug 2018 16:25:58 GMT

I check my pre approv and it said sorry can't find any at this time but I did it two days ago and got pre approved for the magnet and the ED but yes I wood like the gold card instead and the ED card but I was thinking the BCE wood be more better for me are these cards more harder to get

Re: American express

Caught750 — Fri, 31 Aug 2018 16:30:33 GMT

ED and BCE are barely comparable beyond the bonus categories. If you want travel then MR points (PRG and ED) are the way to go and you have an answer. If you want cash back and don't travel then PRG probably isn't going to be a great choice and BCE/Magnet may be a far better option. You have to look at your spend and what you want from rewards to decide.

Re: American express

Anonymous — Fri, 31 Aug 2018 16:43:21 GMT

Do u think I have a good chance to get those cards that I want ED and the gold card

Re: American express

Caught750 — Fri, 31 Aug 2018 16:46:42 GMT

I'd wait until the pre approvals are back with the borderline profile age, but yes. If you have pre approvals showing you should be fine. Look for the 50k PRG offer when you apply.

Re: American express

FinStar — Fri, 31 Aug 2018 16:46:49 GMT

OP, it would behoove you to do the math and see which product comes ahead based on your spending patterns inclusive of any annual fees.

Selecting a product based solely on what displays as a pre-approval may not provide you the best fit and often times folks end up with unused and sock-drawered cards.

Re: American express

Anonymous — Fri, 31 Aug 2018 19:42:46 GMT

@SomewhereIn505 wrote:
I wanted to get in with AmEx and build a relationship with them. That is why I went with ED initally and BCE a month later. As the saying goes, treat them well, and they'll treat you well. They're now my highest card limit.

Yep! I've had nothing but good luck with Amex as well. Just do right by them and there won't be any problems!

Re: American express

SomewhereIn505 — Fri, 31 Aug 2018 20:03:25 GMT

@Anonymous wrote:
@SomewhereIn505 wrote:
I wanted to get in with AmEx and build a relationship with them. That is why I went with ED initally and BCE a month later. As the saying goes, treat them well, and they'll treat you well. They're now my highest card limit.
But not too much point in having ED and BCE, Do you do 20 transactions a month on ED?

No because I value the cash rewards more than MP.

Previous to my approval for ED, I was shown EDC and Green. I went for BCE and was denied. Next time ED showed, I went for it.