topic Re: Easiest AMEX card approval? in Credit Cards

Easiest AMEX card approval?

londonhogfan — Fri, 01 Feb 2013 18:44:40 GMT

I want to get an AMEX card sometime this year but was recently turned down for the Blue card. Is there a certain card that is easiest to get approved for?

Re: Easiest AMEX card approval?

chnceit — Fri, 01 Feb 2013 19:00:36 GMT

Green and Gold charge cards and Delta Gold for revolver.

Re: Easiest AMEX card approval?

SwiftTone — Fri, 01 Feb 2013 19:51:25 GMT

@chnceit wrote:
Green and Gold charge cards and Delta Gold for revolver.

...really? I thought all the charge cards had the same requirement?

Re: Easiest AMEX card approval?

londonhogfan — Fri, 01 Feb 2013 19:58:24 GMT

Thanks for the info. I would have thought the Blue or Clear were their easiest cards.

Re: Easiest AMEX card approval?

chnceit — Fri, 01 Feb 2013 20:03:40 GMT

@SwiftTone wrote:
@chnceit wrote:
Green and Gold charge cards and Delta Gold for revolver.
...really? I thought all the charge cards had the same requirement?

Sorry the Green, Gold and PRG, but the Platinum has a higher requirments as what I read on here. Correct me if I am wrong. Also upgrading to PRG is not guaranteed as well.

Re: Easiest AMEX card approval?

Anonymous — Sat, 02 Feb 2013 00:30:44 GMT

I just got approved for delta gold. My aaoa is 1.2 years with multiple accts opened in the past 60 days as well as 10 inquiries. They started me off with 1000 limit.

Re: Easiest AMEX card approval?

Repo-ed — Sat, 02 Feb 2013 00:49:51 GMT

www.whogavemecredit.com

Personally, I would app for the Green Charge card and THEN the delta gold immediately afterwards for best possible chance of approval of both.

YMMV

Re: Easiest AMEX card approval?

Anonymous — Sat, 02 Feb 2013 01:22:19 GMT

Amex likes:

stability - i.e. not a lot of recently opened accounts, not many inquiries and no overtuilization. They also like to see existing accounts that are at least a year old (and probably longer).

They have an internal scoring formula which takes many factors, including income, into account. Assuming none of the stability problems above apply to you, I'd start with the green, and build a relationship with them. Treat them right and they'll return the favor.

Re: Easiest AMEX card approval?

j_casteel — Sat, 02 Feb 2013 02:10:25 GMT

Everyone says charge cards but a lady at AMEX EO said the Blue was the easiest card to get out of everything, but who know and as always YMMV. Based on the posts here usually people will get a Green and immediately app for the Delta Gold to get 2 cards on 1 HP, and then PC the Delta to a BCE/P.

Re: Easiest AMEX card approval?

chnceit — Sat, 02 Feb 2013 02:55:05 GMT

@j_casteel wrote:
Everyone says charge cards but a lady at AMEX EO said the Blue was the easiest card to get out of everything, but who know and as always YMMV. Based on the posts here usually people will get a Green and immediately app for the Delta Gold to get 2 cards on 1 HP, and then PC the Delta to a BCE/P.

Yeah this is a first I hear of this because AMEX is a charge card company that doesnt really like revolving debt. But hey a lot of companies are changing now a days. Look at their charge cards that are part revolver

Re: Easiest AMEX card approval?

Anonymous — Sat, 02 Feb 2013 02:59:06 GMT

Charge cards you can easily get with only 6 months of history, but it'll probably cost you 3 hard pulls.

Re: Easiest AMEX card approval?

Anonymous — Sat, 02 Feb 2013 03:58:16 GMT

@j_casteel wrote:
Everyone says charge cards but a lady at AMEX EO said the Blue was the easiest card to get out of everything, but who know and as always YMMV. Based on the posts here usually people will get a Green and immediately app for the Delta Gold to get 2 cards on 1 HP, and then PC the Delta to a BCE/P.

I've read that the blue was easy too, but never in this forum until this post.

Re: Easiest AMEX card approval?

TiggerDat — Sat, 02 Feb 2013 08:42:24 GMT

I will have to think about that later this year, I actually want a Amex card at some point to complete my portfolio. Although, I must admit I am in no rush to add a card right now. I am happy gardening! I want to make sure that when I go on my next spree it will be for cards with good limits, no annual fees, and with great rewards.

Re: Easiest AMEX card approval?

Anonymous — Mon, 04 Feb 2013 16:51:16 GMT

Thats incorrect i was just approved 1-31-2013 for the gold amex card with one pull on experian

Re: Easiest AMEX card approval?

londonhogfan — Tue, 05 Feb 2013 22:16:37 GMT

@Anonymous wrote:
Thats incorrect i was just approved 1-31-2013 for the gold amex card with one pull on experian

I was curious about that... Why would it take 3 pulls for an AMEX Charge? Are they pulling each report?

Re: Easiest AMEX card approval?

Anonymous — Tue, 05 Feb 2013 22:25:00 GMT

Blue is not easy to get. Not sure where somebody is getting that information. It is one of their hardest cards to qualify for.

Re: Easiest AMEX card approval?

Anonymous — Tue, 05 Feb 2013 22:42:28 GMT

^My 18 year old college student son was approved for the Blue Cash Everyday reecently. He had a USAA card since last May and is an AU on 3 of my cards. Income of $12,000 was used

Re: Easiest AMEX card approval?

jake619 — Wed, 06 Feb 2013 00:38:07 GMT

@Anonymous wrote:
Blue is not easy to get. Not sure where somebody is getting that information. It is one of their hardest cards to qualify for.

It's no Centurion either.

Re: Easiest AMEX card approval?

distantarray — Wed, 06 Feb 2013 01:17:23 GMT

@chnceit wrote:
Look at their charge cards that are part revolver

More like their revolvers are part charge cards Amex does NOT like you carrying large balances over time of more than 3-6months just a fair warning =)

Re: Easiest AMEX card approval?

distantarray — Wed, 06 Feb 2013 01:18:13 GMT

@Anonymous wrote:
Blue is not easy to get. Not sure where somebody is getting that information. It is one of their hardest cards to qualify for.

Correction it WAS one of the hardest cards to qualify for, now that the $6,000 cap was put into place it's quite easy.