topic Re: Co-branded Amex easier to get? in Credit Cards

Co-branded Amex easier to get?

virgo — Fri, 21 Mar 2014 19:34:32 GMT

Are co branded prime cards easier to get?

Re: Co-branded Amex easier to get?

elbori357 — Fri, 21 Mar 2014 19:37:37 GMT

I have been wondering about this. Do they go by the same underwriting rules and approval process?

Re: Co-branded Amex easier to get?

Stralem — Fri, 21 Mar 2014 19:49:33 GMT

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

Re: Co-branded Amex easier to get?

Anonymous — Fri, 21 Mar 2014 19:51:34 GMT

@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.

Re: Co-branded Amex easier to get?

virgo — Fri, 21 Mar 2014 19:51:46 GMT

Amex decline me. My score is 703, no baddies at all, Hx 2yrs, NFCU, Chasex2, Cap1, stores, boatload of inquiries, PIF every month before statement cuts..

When I called, they said my balance to limits too high. WTH? I know they say 0, I was looking at my current report as I was speaking with the rep.

So I called the EO told them everything, he took notes and said he would get back to me. That's why I asked about co-branded cards. I think I heard once that they were easier to get but I don't want to wasted ANOTHER hp to find out.

Re: Co-branded Amex easier to get?

gdale6 — Fri, 21 Mar 2014 19:54:51 GMT

If you are asking about the AMEX logo on cards issued by other banks than AMEX Centurion then the underwriting requirements would be different for each bank that offers such a card. The only thing with these cards is they use the AMEX network as conduit for payment.

Re: Co-branded Amex easier to get?

Stralem — Fri, 21 Mar 2014 20:03:38 GMT

@Anonymous wrote:
@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.
Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.

He did only mentioned co-branded cards and not issuing bank.

Re: Co-branded Amex easier to get?

Anonymous — Fri, 21 Mar 2014 20:05:25 GMT

@Stralem wrote:
@Anonymous wrote:
@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.
Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.
He did only mentioned co-branded cards and not issuing bank.

Correct. The distinction was not clear.

Re: Co-branded Amex easier to get?

AwwwYeee — Fri, 21 Mar 2014 21:21:01 GMT

@Anonymous wrote:
@Stralem wrote:
@Anonymous wrote:
@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.
Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.
He did only mentioned co-branded cards and not issuing bank.
Correct. The distinction was not clear.

Does the 61 3xcli apply to co-branded cards? like does it work for barclays travelocity, macys amex, etc.?

Re: Co-branded Amex easier to get?

Anonymous — Fri, 21 Mar 2014 21:34:30 GMT

@AwwwYeee wrote:
@Anonymous wrote:
@Stralem wrote:
@Anonymous wrote:
@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.
Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.
He did only mentioned co-branded cards and not issuing bank.
Correct. The distinction was not clear.
Does the 61 3xcli apply to co-branded cards? like does it work for barclays travelocity, macys amex, etc.?

No, only for cc's issued by Amex Centurion Bank, not cards who simply use the Amex network.

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 01:54:51 GMT

@Anonymous wrote:
@Stralem wrote:
@Anonymous wrote:
@Stralem wrote:
Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.
Fidelity Amex is issued by FIA not Amex Centurion Bank. If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver.
He did only mentioned co-branded cards and not issuing bank.
Correct. The distinction was not clear.

A co-branded Amex is a co-branded Amex. A Fidelity Amex is an FIA card that is processed on the Amex network. A Delta Skymiles Amex is an Amex that is co-branded. Trying to say otherwise is just semantics. If the OP meant otherwise it is most likely due to a lack of understanding, and there's nothing wrong with that, but the question that was asked is clear IMO.

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 01:57:55 GMT

I had the Amex Jetblue with almost no credit history and upper 600s, so I think it is easier to get certain cobranded AMEX cards over the regular ones.

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 05:00:22 GMT

@Anonymous wrote:

Does the 61 3xcli apply to co-branded cards? like does it work for barclays travelocity, macys amex, etc.?
No, only for cc's issued by Amex Centurion Bank, not cards who simply use the Amex network.

This type of question comes up a lot! Is it covered in one of the stickies?

The fact can be stated fairly simply IMO:

= Cards that run on the Amex network but not issued by Amex Centurion Bank have NONE of the advantages commonly ascribed to Amex cards, including:

1) Backdating

2) 61 day 3x CLI

3) Enhanced consumer protections

The one thing they do share with "true" Amex cards is the reduced acceptance!

This is not to say that such cards are bad (I'm a big fan of the Fidelity Amex for example). Such cards can be good/great for many reasons, but these have nothing to do with them running on the Amex network.

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 07:56:00 GMT

So if you're blacklisted by Amex Centurion, can you still get cards run by Amex network (like Macy's Amex, Barclays Travelocity Amex...etc??) or are you blacklisted to ALL Amex cards in general? I am just curious........

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 08:01:12 GMT

@Anonymous wrote:
So if you're blacklisted by Amex Centurion, can you still get cards run by Amex network (like Macy's Amex, Barclays Travelocity Amex...etc??) or are you blacklisted to ALL Amex cards in general? I am just curious........

Amex Centurion Bank does not issue cards run on their network ie Macy's Amex, FNBO Amex etc. only those cards issued by Amex Centurion Bank you would have an issue being approved.

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 08:03:56 GMT

@Anonymous wrote:
@Anonymous wrote:
So if you're blacklisted by Amex Centurion, can you still get cards run by Amex network (like Macy's Amex, Barclays Travelocity Amex...etc??) or are you blacklisted to ALL Amex cards in general? I am just curious........
Amex Centurion Bank does not issue cards run on their network ie Macy's Amex, FNBO Amex etc. only those cards issued by Amex Centurion Bank you would have an issue being approved.

Thank you Lexie. You rock........

Re: Co-branded Amex easier to get?

Anonymous — Sat, 22 Mar 2014 17:29:08 GMT

@Anonymous wrote:
So if you're blacklisted by Amex Centurion, can you still get cards run by Amex network (like Macy's Amex, Barclays Travelocity Amex...etc??) or are you blacklisted to ALL Amex cards in general? I am just curious........

So Lexie answered this, but I think from your question there is still a lack of understanding of the differences.

The cards aren't "run by Amex network" more "run on the Amex network" Basically Amex is providing an infrastructure that issuers can use, in exactly the same way as Visa and MC (except that unlike Visa and MC, Amex ALSO issue their own cards, but that is unimportant in this context).

Unsurprisingly, Amex charges the users for this service. So if you use say a cobranded Amex, a lot of orgs get a fee, including Amex, the card issuer, the processing institution etc. But here Amex has none of the risk, the issuing bank will get hit by defaults, not them. Hence it's fine by them if someone they themselves have blacklisted uses one of these cards, because they get the revenue with no real risk.

Also, telling other institutions to blacklist you (other than by bad marks in the CR) would be illegal.

Re: Co-branded Amex easier to get?

VirtualCuriosity — Sat, 22 Mar 2014 16:45:00 GMT

Which came first, the credit card, or the credit score?

Re: Co-branded Amex easier to get?

tjones9234 — Fri, 31 Oct 2014 02:06:52 GMT

did we ever get an answer to this? I have seen some pretty low approval scored for the BCE and everday card.. I am starting to think they might be easiest to get