topic Re: Amex in Credit Cards

Amex

roshan21 — Thu, 25 Apr 2013 13:03:33 GMT

I was thinking of getting a card with Amex. I wanted to know what is the best card if you're just starting a relationship with them?
What CR do they pull and what is the typical score they like to see? Don't want to waste a HP

Re: Amex

Lambo23 — Thu, 25 Apr 2013 14:04:11 GMT

App for a charge card. If approved, app right away for a revolver. They will use the same hard pull for both apps. They pull experian.

Re: Amex

myjourney — Thu, 25 Apr 2013 16:20:47 GMT

@Lambo23 wrote:
App for a charge card. If approved, app right away for a revolver. They will use the same hard pull for both apps. They pull experian.

+1 Lambo hit it right on the head

Re: Amex

Anonymous — Thu, 25 Apr 2013 16:48:44 GMT

The 2 apps for 1 pull is not 100% guaranteed. Also if its your first account with them they may pull multiple reports. Apply for the card that you want don't just apply for cards for the sake of the belief that you will get two cards with 1 pull. If you get approved and later on you find that a credit card with them fits your needs better, then apply then. It'll get backdated anyway.

Re: Amex

Anonymous — Thu, 25 Apr 2013 17:26:44 GMT

I just applied for the Blue Sky card. Instantly approved, they pulled Experian, I had a 707. My AAoA is low and my utilization isn't exactly in the recommended range so I was skeptical about applying but I went for it anyway with a good outcome!!

Re: Amex

dodfire — Thu, 25 Apr 2013 17:27:46 GMT

@Anonymous wrote:
I just applied for the Blue Sky card. Instantly approved, they pulled Experian, I had a 707. My AAoA is low and my utilization isn't exactly in the recommended range so I was skeptical about applying but I went for it anyway with a good outcome!!

WAY TO GO!!!!

Congrats!!

Re: Amex

myjourney — Thu, 25 Apr 2013 17:34:52 GMT

Congrats

Re: Amex

youngandcreditwrthy — Thu, 25 Apr 2013 20:33:03 GMT

Congrats! I looooove my BCE 😍... Don't forget the 61st day 3xcli!!!

Re: Amex

LS2982 — Thu, 25 Apr 2013 22:11:27 GMT

@roshan21 wrote:
I was thinking of getting a card with Amex. I wanted to know what is the best card if you're just starting a relationship with them?
What CR do they pull and what is the typical score they like to see? Don't want to waste a HP

Definitely a Charge card. It depends on how much AF your willing to spend and your spending pattern. If you plan to spend big (say 30K in a year) the PRG would be a great look for you:

-Waived $175 AF for 1st year

-Bonus 15K MR points with 30K spend in a year

If your looking to spend less I'd go with the Green card with a $95 AF.

Re: Amex

lhcole77 — Mon, 17 Jun 2013 19:30:53 GMT

Have you tried going on their website to see if you are pre-approved for anyting?

I recently app'ed and got approved for Preferred Gold Card and Delta Skymiles Gold. Both on same day. One HP from EX. Both of these cards are what I wanted and both will fit my needs.

My EX score was 779 with 0 INQ, 0 Baddies, 7% UTL, two CC totalling $2700 CL, 3Y7Mo AAoA. Was approved for $9,500 CL on Delta.