topic Co-Branded AMEX Credit Cards in Credit Cards

Co-Branded AMEX Credit Cards

theBeardedNerd — Wed, 13 Nov 2013 00:09:27 GMT

I've come across a few threads that stated it was easier to get approved for a credit card through the co-branded website (Hilton, Delta and SPG for example). Underwriting score can usually be 50-60 points less. Is there any truth to this? If true, has anyone been denied going through Amex and then later approved from the co-branded website?

Is it easier to be approved if I was to apply through Hilton's Website versus applying via AMEX?

Re: Co-Branded AMEX Credit Cards

myjourney — Wed, 13 Nov 2013 00:23:03 GMT

@Anonymous wrote:
I've come across a few threads that stated it was easier to get approved for a credit card through the co-branded website (Hilton, Delta and SPG for example). Underwriting score can usually be 50-60 points less. Is there any truth to this? If true, has anyone been denied going through Amex and then later approved from the co-branded website?

Is it easier to be approved if I was to apply through Hilton's Website versus applying via AMEX?

Don't believe it

In fact the criteria is set by the brand of what type of cliental they want

Re: Co-Branded AMEX Credit Cards

theBeardedNerd — Wed, 13 Nov 2013 00:24:52 GMT

Thanks!!!

Re: Co-Branded AMEX Credit Cards

sjt — Wed, 13 Nov 2013 01:31:38 GMT

@Anonymous wrote:
I've come across a few threads that stated it was easier to get approved for a credit card through the co-branded website (Hilton, Delta and SPG for example). Underwriting score can usually be 50-60 points less. Is there any truth to this? If true, has anyone been denied going through Amex and then later approved from the co-branded website?

Is it easier to be approved if I was to apply through Hilton's Website versus applying via AMEX?

It depends on the co-branded card. Some of Amex co-branded partners co-own the card portfolio and there are times they want to expand its portfolio so that means they expand their credit approval guidelines. Alot of folks say that Delta Skymiles is easy to get.

Also, when you apply through the partners website it will direct you to the Amex site, so it really does not make a difference on which site you apply.

Re: Co-Branded AMEX Credit Cards

Walt_K — Wed, 13 Nov 2013 03:19:13 GMT

@sjt wrote:
@Anonymous wrote:
I've come across a few threads that stated it was easier to get approved for a credit card through the co-branded website (Hilton, Delta and SPG for example). Underwriting score can usually be 50-60 points less. Is there any truth to this? If true, has anyone been denied going through Amex and then later approved from the co-branded website?

Is it easier to be approved if I was to apply through Hilton's Website versus applying via AMEX?
It depends on the co-branded card. Some of Amex co-branded partners co-own the card portfolio and there are times they want to expand its portfolio so that means they expand their credit approval guidelines. Alot of folks say that Delta Skymiles is easy to get.

Also, when you apply through the partners website it will direct you to the Amex site, so it really does not make a difference on which site you apply.

For approval purposes, I agree with you. I would be pretty surprised to find out that it made a difference. It can make a difference which site you go through for sign up bonuses (I realize that your comment was probably directed toward approval which is the subject of this thread, but wanted to clarify this for new people that might be reading).