topic Re: Amex in Credit Cards

Amex

Anonymous — Sat, 18 Sep 2021 22:47:52 GMT

What's the easiest Amex card to get?

Re: Amex

TattnallTrio — Sat, 18 Sep 2021 22:50:44 GMT

Serve which is AMEX's prepaid debit. The next easiest is the Credit One AMEX. I assume you meant within the Amex lines and I have heard Delta Gold.

Re: Amex

Anonymous — Sat, 18 Sep 2021 22:55:53 GMT

Hmmm. Thanx

Re: Amex

FinStar — Sat, 18 Sep 2021 23:08:23 GMT

@Anonymous- are you looking at any particular cards with American Expresss National Bank? Or, are you looking into other banks who offer some AmEx network cards, like Citi/DSNB/Macy's, USAA, US Bank, WF/Dillard's, etc.?

If it's AENB, take a look at the cards that would be the right fit for your spending patterns (or lifestyle) vs just getting one to get your foot in the door. For instance, if you are a Delta FF, there's the Delta Gold SkyMiles CC or if you stay at any Hilton properties, there's the Hilton CC as well.

Re: Amex

SoCalGardener — Sat, 18 Sep 2021 23:06:39 GMT

@Anonymous wrote:
What's the easiest Amex card to get?

If you'd give us a little information, it would help us give you relevant answers!

For example, what kind of credit do you have? Do you know your FICO scores? If so, what are they? Other useful data: your overall utilization rate, your number of open credit card accounts, the utilization rates on each of your cards, your overall credit limit (i.e., all your credit limits combined), the average age of your credit, whether there are any derogatory marks on your reports, etc.

How 'easy' it is to get an Amex card really depends on the individual's credit, income, debt, and so on. So give us some info and we'll try to point you to appropriate cards!

Re: Amex

Remedios — Sat, 18 Sep 2021 23:19:56 GMT

OP, while BK is on your report, any Amex card will be iffy. Doesn't mean you cannot get approved, it just means as long as you have negatives, Amex isn't going to be cuddly bear.

If you go for a core card and get approved, it's going to be $1000.00 for considerable future,at first you will be happy you "got foot in", then they will keep slamming the door.

If you go for charge card, expect to pay not when it's time but when super secret algorithm decides you should pay.

Then you will be told "They are just getting to know you" but Amex feels like they already know everyone with less than perfect credit.

It's just how they are.

I think you'd be better off with other lenders who aren't BK averse, especially if they have cards you can use versus cards for door-foot syndrome.

Re: Amex

SoCalGardener — Sat, 18 Sep 2021 23:31:04 GMT

@Remedios wrote:
OP, while BK is on your report

Um...do you have a crystal ball or something?!

I didn't see any mention of BK by the OP--in this thread...

Re: Amex

Aim_High — Mon, 20 Sep 2021 18:32:01 GMT

@SoCalGardener wrote:
@Remedios wrote:
OP, while BK is on your report ...
I didn't see any mention of BK by the OP--in this thread...

@SoCalGardener ... see this:

https://ficoforums.myfico.com/t5/Bankruptcy/When-will-AMEX-approve-credit-after-bk-discharge/m-p/6402288#M79791

Re: Amex

SoCalGardener — Sat, 18 Sep 2021 23:52:02 GMT

@Aim_High wrote:
@SoCalGardener wrote:
@Remedios wrote:
OP, while BK is on your report ...
I didn't see any mention of BK by the OP--in this thread...
@SoCalGardener ... see this

https://ficoforums.myfico.com/t5/Bankruptcy/When-will-AMEX-approve-credit-after-bk-discharge/m-p/6402288#M79791

Thanks--I figured there was something somewhere!

Re: Amex

Shooting-For-800 — Sun, 19 Sep 2021 03:31:59 GMT

I would think the green charge card would be easiest.

They have/had a prequal tool.

GL!

Re: Amex

EAJuggalo — Sun, 19 Sep 2021 11:57:53 GMT

@Shooting-For-800 wrote:
I would think the green charge card would be easiest.
They have/had a prequal tool.
GL!

It's not. At least it wasn't before the refresh, at that point all of the charge cards had the same underwriting criteria. If you were going to be approved for the Green you'd also have been approved for the Platinum. The cards with the lowest underwriting criteria have been for at least the last five years the Delta Gold and the Hilton No-Fee.

Re: Amex

Anonymous — Sun, 19 Sep 2021 13:48:07 GMT

@Shooting-For-800 wrote:
I would think the green charge card would be easiest.
They have/had a prequal tool.
GL!

The majority belief here is that there is no difference in underwriting between the charge cards, i.e. Plat is the same as green. Just how much annual fee you want to pay for the various perks.

ETA: beaten by @EAJuggalo

Re: Amex

Trini88 — Sun, 19 Sep 2021 14:41:16 GMT

Blue from American Express

Re: Amex

Slowlyrebuilding — Sun, 19 Sep 2021 16:00:47 GMT

Someone else mentioned you had a bankruptcy? I was able to get in with Amex after bankruptcy. I started with their Sheraton card (now Bonvoy Mariott). Shortly after that I was approved for Hilton and Gold. Then really quickly after that I also was approved for Hilton surpass. I got all those within a year of each other. My credit score was mid 600s, had the bankruptcy, tons of inquiries and prob 50% utilization. So for me anything Amex was easy.