Amex starter (Odds?)

[jayjayhawaii]

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@FinStar wrote:

Another item to keep in mind is the AFs associated with any products you are considering plus doing the math and evaluate which one would be more fitting (not just which is easiest or getting "a foot in the door").  If you fly Delta with plenty of frequency, then look to see which Delta CC makes sense.  Otherwise, you can consider the PRG if it meets your other goals, including the $100 travel/incidental credit, etc.

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Makes sense. I fly mostly Hawaiian or SkyTeam (Delta +), and Hawaiian only because when my credit score was in the dumpster, I could still earn miles with my Bank of Hawaii debit card. Their CC is issued by inq sensitive Barclay (and it sort of sucks anyway) so it's a no go.

Rewards wise, the PRG is a bit more appealing, but I work partly on commission, so being able to carry a balance once in a crappy month is a plus - Are the blue, gold and platinum all same underwriting? Out of 3 Sync cards I've apped for in the past, all 3 have been TU pulls, so I'm fairly certain PayPal will be as well. I think it has to do with location.

[MrDFinance]

After 6 months with the card they gave me the option to enable it on my account .......

Not sure if they do that for everyone or for people that run a decent amount through the card...... I was using the card pretty regularly as I only had 3 other cards at the time....

**PayPal was a TU pull for me

[RicHowe]

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@jayjayhawaii wrote:

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@MrDFinance wrote:
I got approved for my PRG when my Experian was around 660 .... This is after I burned them in 2008 on a charge off..... Now I not only have the card but also have a $25,000 Pay over time limit....

I suggest you go to thier website and check pre approvals..... I had "Excellent" Approval odds on Credit Karma and that made me check the pre approval and sure enough I was Pre Approved and Then Approved...

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Thanks for the input and DP. I have 'fair' approval odds on CK, but I'm only at 631 EX right now. No pre approvals on the Amex website yet. I'm currently prepping my TU for PayPal at the end of this month (just got the invite when logging in), and then I'll focus entirely on getting EX to 660 by December.

How do you get PoT on the charge cards?

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AMEX will notify you typically after 6 months to offer the chance to enroll your card in Pay Over Time (POT) on eligible transactions and will usually give you a POT limit (similar to a credit limit, but does not report to CRAs so it does not affect credit utilization). You can choose to enroll or not (I didn't).