Minimum score for AMEX?

[Anonymous]

Hi everybody, Avid reader here on the forums but first post. I have been wanting to get an AMEX card for a while. My wife was approved for the Delta Gold for 1K, Hilton for 6K and also the platinum back in December. I am a authorized user on her account. But it just doesn't feel right now having my own. Call me crazy lol.

Anyway here is my report from Experian.

661 score. 19 Accounts. UTI is 4%. Discover it 5.5K Barclay Rewards 1K Apple rewards 1.5K Arrival 1K NFL $700. Macy's 1.4K CFNA 1.2K. 24 inquires.

My main question what is the minimum score for any type AMEX? And which is easiest? I have herd that 670 is the magic number? Not sure how true tho.

Any replies are much appreciated. Thanks!

[myjourney]

Welcome to the forum 

Cards by score are different 

Charge cards are easiest to get and require scores in the range of 650

More info needed in your case tho 

Baddies?

HP's? by each CB and why so many?

How many of the 19 TL's are yours?

[Anonymous]

Only thing bad is 1 med collection for $700 in October 15,. NEVER a late payment I only know my Experian inquires as of know my EQ and TU are frozen so I have to access them. Majority of them are from Car buying this summer for 3 different dealers. The 19TL's 17 are open 2 are closed paid in full loans. And 17 are all mine.

[myjourney]

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@Anonymous wrote:
Only thing bad is 1 med collection for $700 in October 15,. NEVER a late payment I only know my Experian inquires as of know my EQ and TU are frozen so I have to access them. Majority of them are from Car buying this summer for 3 different dealers. The 19TL's 17 are open 2 are closed paid in full loans. And 17 are all mine.

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I don't see the med being a high value concern as Fico 08 scores that low 

What Amex card are you looking to get?

[Anonymous]

Interested in the Everyday or Every day preferred I read some where that they have the same underwriting, not sure how true tho. And also a charge card preferably the PRG or a standard Gold or even Green.

[myjourney]

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@Anonymous wrote:
Interested in the Everyday or Every day preferred I read some where that they have the same underwriting, not sure how true tho. And also a charge card preferably the PRG or a standard Gold or even Green.

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Ok here are the facts 

All charge cards have the same UW

PRG is a better choice than GRN

ED & EDP same UW

BCE & BCP same UW

So if you feel comfortable and want PRG and ED/EDP

App PRG 1st if approved then app ED/EDP 2nd 

The reason you do it this way is to maximize the HP trying to get 2 cards for 1 HP 

If the PRG is approved your chances of even if ED/EDP is not approved it will be a SP for the second app because you were a customer once PRG was approved 

But if approved for both YMMV 2 cards 1 HP in some rare cases 2 HP's 

I've done this twice 4 cards 2 HP's 

[Anonymous]

Ok gotcha, once approved the 2nd app will be a SP. And pretty much all charge card have same UW and vice versa. That being said. Do you think my score of 661 and INGs will be approved for the PRG? Annual income is around 40K.

Thank you for the quick replies and all the help. Much appreciated!

[Anonymous]

Can you do it the opposite way around as well journey if they value the ED/EDP higher than the PRG?

[myjourney]

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@Anonymous wrote:
Ok gotcha, once approved the 2nd app will be a SP. And pretty much all charge card have same UW and vice versa. That being said. Do you think my score of 661 and INGs will be approved for the PRG? Annual income is around 40K.

Thank you for the quick replies and all the help. Much appreciated!

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This all boils down to how many HP's are on EX because that's who they'll pull and if borderline they may pull EQ as well 

Reason I suggested PRG 1st is because your scores fit the profile now and I thiink you look good anything else if approved is a bonus (ED/EDP)

Also before you app PRG search for the 50k points for 1k spend do not app for the 25k points for 2k spend 

If your going to do this get the best offer/deal

Do I think if you reversed the order you would get the ED/EDP 1st no sorry I believe in honesty 

But the other route I suggested I think you stand a better chance for 2 

[myjourney]

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@Anonymous wrote:

Can you do it the opposite way around as well journey if they value the ED/EDP higher than the PRG?

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Yes you could but the safe way is PRG 1st see my post over this one I just addressed why

Edit ...Very good question