@Anonymous wrote:
@Anonymous wrote:
I agree with some of the posts above. It sounds like you would be highly qualified for amy charge card since they have the same criteria. Do you have any pre qual offers on Amex's site btw?I checked the pre qual offers but got nothing. thats what worried me...
I also had nothing under the pre qual... but I still got approved. Don't let that discourage you! 
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:
I agree with some of the posts above. It sounds like you would be highly qualified for amy charge card since they have the same criteria. Do you have any pre qual offers on Amex's site btw?I checked the pre qual offers but got nothing. thats what worried me...
I also had nothing under the pre qual... but I still got approved. Don't let that discourage you!
thats reassuring, thanks! Does it matter how many times I check that pre qual offers by the way? and are the approval odds for green, gold and platinum charge cards the same? thanks again!
@Anonymous wrote:
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:
I agree with some of the posts above. It sounds like you would be highly qualified for amy charge card since they have the same criteria. Do you have any pre qual offers on Amex's site btw?I checked the pre qual offers but got nothing. thats what worried me...
I also had nothing under the pre qual... but I still got approved. Don't let that discourage you!
thats reassuring, thanks! Does it matter how many times I check that pre qual offers by the way? and are the approval odds for green, gold and platinum charge cards the same? thanks again!
I've never read of anybody having a problem from checking the pre qual link, and honestly I don't think anybody really knows how often it updates the SP when you do check it.
Before I say any more, I need to give a disclaimer... I'm not an Amex underwriter, and as far as I know nobody else here is, either. All I can do is tell you what I've read other's self-report on here on their own experiences, and give information about my own. With this being said, there's a 'general concensus' around here that the approval criteria for the Green, Gold/PRG, and Platinum cards is the same, or very close to the same. The color really reflects the annual fee you pay, which drives the 'perks' you get. It is believed that the spending ability you get is not determined by the color of the card, but by the credit profile and income/resources of the applicant. Knowing this, it is easy to see how a Platinum member would have a greater spending ability, since by the virtue of the annual fee ($450) most people that have it in their wallet are going to have a higher income/more resources. This is why it's usually suggested for folks to apply for the card they really want, not the one they believe is easier to get.
I know you're not interested in the Amex credit cards, but as a data point, it is believed on here that it's generally easier to be approved for a charge card than a credit card. This is a big YMMV, since I have read at least two threads where somebody was approved for one of the credit cards, then denied for a charge card. Generally, though, with most folks the 'rule' holds.
Good luck, and let us know how things work out!
