AMEX SP OR HP for Members? Recon friendly?

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@baller4life wrote:
Welllllll I have Delta and apped ED. Denied and big fat hp. YMMV!!

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Strange....What were the reasons if you don't mind sharing?  ED is I believe easier than the Delta...  Weird you also incurred a HP being logged in..

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Ya sure? Almost every thread Ive read stated the Delta Gold is their easiest card to get as far as revolvers.

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ED is starting people at 500 vs delta min I have seen is 1k..  So honestly don't know which is easier or the same.  I opted for the Delta first then the ED 1 month and some days afterwards, but not due to what I thought I would be approved for, more so for bonus.  Probably dang similar if not exact same UW standards.   Check the creditpulls db and see what others are getting.

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Makes sense. I'll check the db and report back just for the record and anyone else interested.

[Anonymous]

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@bigblue7722 wrote:

i got declined for the ED a while back and i got a 15k BCE and a PRG. No HP though. I cant remember why i was denied propbably too many accounts or new inqs

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So you apped for the ED WHILE you had the BCE and PRG slready and was denied? My wife has a 701 fico and was approved for the ED.. we didn't try for any other.

How long do their cards take to come in general? We apped last week Thursday.. Wonder if I could get em expedited?

[bigblue7722]

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@Anonymous wrote:

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@bigblue7722 wrote:

i got declined for the ED a while back and i got a 15k BCE and a PRG. No HP though. I cant remember why i was denied propbably too many accounts or new inqs

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So you apped for the ED WHILE you had the BCE and PRG slready and was denied? My wife has a 701 fico and was approved for the ED.. we didn't try for any other.

How long do their cards take to come in general? We apped last week Thursday.. Wonder if I could get em expedited?

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Yes i got the prg and bce in aug and applied for the ED in jan. Both accounts had no balance light usage. The prg came faster via ups the bce was sent be regular mail. You should be getting the card soon. Congrats

[CreditCuriosity]

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@bigblue7722 wrote:

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@Anonymous wrote:

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@bigblue7722 wrote:

i got declined for the ED a while back and i got a 15k BCE and a PRG. No HP though. I cant remember why i was denied propbably too many accounts or new inqs

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So you apped for the ED WHILE you had the BCE and PRG slready and was denied? My wife has a 701 fico and was approved for the ED.. we didn't try for any other.

How long do their cards take to come in general? We apped last week Thursday.. Wonder if I could get em expedited?

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Yes i got the prg and bce in aug and applied for the ED in jan. Both accounts had no balance light usage. The prg came faster via ups the bce was sent be regular mail. You should be getting the card soon. Congrats

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Weird how Baller and yourself kinda had opposite experience from myself.. Applied for the Delta Gold Dec 11th approved 1k tried for green same day declined..  Fast forward about 26 days tried for SP cli keep in mind didnt wait near the 61 days declined, waited until I got letter once I got letter I figured what the heck got to wait another 90 days before asking for a CLI to make my delta 3k so apped for the ED, got approved for 10k....  Score was 665 EX at time?  Does that make sense, not at all!  Income might of played a role..  So really don't know what to make of this all.  If you go through the approval section of this forum you will see quite a few 500 dollar approvals on the ED card, but you will see quite a few 1k-3k approvas for delta as well.  Try to guage yourself what you think the best route is and go from there?  I am pretty sure I can get approved for the green now as I have showed quite a good payment history and approved for at least 20k spend on my ED card, didn't try for more was just curious.. Anyways, best of luck on your reserach and whatever route you go!

[Anonymous]

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@CreditCuriousity wrote:

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@bigblue7722 wrote:

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@Anonymous wrote:

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@bigblue7722 wrote:

i got declined for the ED a while back and i got a 15k BCE and a PRG. No HP though. I cant remember why i was denied propbably too many accounts or new inqs

---

So you apped for the ED WHILE you had the BCE and PRG slready and was denied? My wife has a 701 fico and was approved for the ED.. we didn't try for any other.

How long do their cards take to come in general? We apped last week Thursday.. Wonder if I could get em expedited?

---

Yes i got the prg and bce in aug and applied for the ED in jan. Both accounts had no balance light usage. The prg came faster via ups the bce was sent be regular mail. You should be getting the card soon. Congrats

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Weird how Baller and yourself kinda had opposite experience from myself.. Applied for the Delta Gold Dec 11th approved 1k tried for green same day declined..  Fast forward about 26 days tried for SP cli keep in mind didnt wait near the 61 days declined, waited until I got letter once I got letter I figured what the heck got to wait another 90 days before asking for a CLI to make my delta 3k so apped for the ED, got approved for 10k....  Score was 665 EX at time?  Does that make sense, not at all!  Income might of played a role..  So really don't know what to make of this all.  If you go through the approval section of this forum you will see quite a few 500 dollar approvals on the ED card, but you will see quite a few 1k-3k approvas for delta as well.  Try to guage yourself what you think the best route is and go from there?  I am pretty sure I can get approved for the green now as I have showed quite a good payment history and approved for at least 20k spend on my ED card, didn't try for more was just curious.. Anyways, best of luck on your reserach and whatever route you go!

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Most of the postings I've read claim the charge cards are easier to get which is weird since they have no pre-set spending limit. The only beneficial aspect I see on the lenders side is that they will know whether or not a person is responsible sooner than later with the charge cards which require full payment each month.

I apped for the green charge card 2 days ago with a 676 Fico and was approved. I tried for the ED revolver right after and was denied.

Wife apped last week with a 1 judgement and some other collection which I need to dispute since its a company known for adding a collection to random peoples files. Just not sure where to start with that. Her score is however better than mine at 701. She was approved for $4k. At this point I'm not sure whats going on with Amex but it seems like they are changing some things around.

Btw, since we're discussing Amex.. I got backdating to 2008. Would that help my AAoA significantly or should I expect minimum improvement?

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@bigblue7722 wrote:

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@Anonymous wrote:

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@bigblue7722 wrote:

i got declined for the ED a while back and i got a 15k BCE and a PRG. No HP though. I cant remember why i was denied propbably too many accounts or new inqs

---

So you apped for the ED WHILE you had the BCE and PRG slready and was denied? My wife has a 701 fico and was approved for the ED.. we didn't try for any other.

How long do their cards take to come in general? We apped last week Thursday.. Wonder if I could get em expedited?

---

Yes i got the prg and bce in aug and applied for the ED in jan. Both accounts had no balance light usage. The prg came faster via ups the bce was sent be regular mail. You should be getting the card soon. Congrats

---

Weird how Baller and yourself kinda had opposite experience from myself.. Applied for the Delta Gold Dec 11th approved 1k tried for green same day declined..  Fast forward about 26 days tried for SP cli keep in mind didnt wait near the 61 days declined, waited until I got letter once I got letter I figured what the heck got to wait another 90 days before asking for a CLI to make my delta 3k so apped for the ED, got approved for 10k....  Score was 665 EX at time?  Does that make sense, not at all!  Income might of played a role..  So really don't know what to make of this all.  If you go through the approval section of this forum you will see quite a few 500 dollar approvals on the ED card, but you will see quite a few 1k-3k approvas for delta as well.  Try to guage yourself what you think the best route is and go from there?  I am pretty sure I can get approved for the green now as I have showed quite a good payment history and approved for at least 20k spend on my ED card, didn't try for more was just curious.. Anyways, best of luck on your reserach and whatever route you go!

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Most of the postings I've read claim the charge cards are easier to get which is weird since they have no pre-set spending limit. The only beneficial aspect I see on the lenders side is that they will know whether or not a person is responsible sooner than later with the charge cards which require full payment each month.

I apped for the green charge card 2 days ago with a 676 Fico and was approved. I tried for the ED revolver right after and was denied.

Wife apped last week with a 1 judgement and some other collection which I need to dispute since its a company known for adding a collection to random peoples files. Just not sure where to start with that. Her score is however better than mine at 701. She was approved for $4k. At this point I'm not sure whats going on with Amex but it seems like they are changing some things around.

Btw, since we're discussing Amex.. I got backdating to 2008. Would that help my AAoA significantly or should I expect minimum improvement?

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1) Ya weird, they will approve you for a CC, but not a revolver.. I was just the opposite..  I dunno what to think..  I probably could get a CC now vs. a revoler with them, but no point really other then the PRG 50k signup bonus if I could obtain that.

2) Really depends on how many accounts you have on what 7 years will do to your AAoA and what you current AAoA is.. Obviously the impact is greater over time and if you open future Amex's so you get an artifical 8 years each product you have will have more of an impact as well