@Anonymous wrote:AmEx is the next major lender I would really like to get in with since Chase enacted their new policy about UR earning credit cards. Scores in my sig are current, what do you think my chances of getting in with AmEx are and what cards would be suggested? I think I will wait another few weeks as I just paid off a large percentage of my CC debt and my scores should increase some more as those balances report over the next 2-3 weeks, after that settles my utilization should be somewhere under 10%. I know charge cards are supposedly easier to get, but would like do do a charge and revolver if possible on the same pull as I've heard is possible if doing back to back.
1. I just want to say I've been "in with AmEx" for the past year, and I don't find them so great. I've had an overpriced charge card for a year, with a high annual fee, perks for which I have little use, and no reporting to credit agencies so it isn't even useful for building credit. And I've had 2 Amex revolving accounts, also for a year, on which I can't beg, borrow, or steal a CLI, and which have no balance transfer options. So getting "in with Amex" is a pretty meaningless thing IMHO.
2. I think the easiest revolving credit card to get from them at the moment is their "plenti" card, because they're trying hard to peddle it, and getting a ho-hum response from the public. I've seen many people saying you could qualify for the everyday card and blue cash card, but I can tell you I've been turned down for blue cash with higher scores than yours. People often say that Delta Gold is the easiest to qualify for, and that might be so, but that's one of the cards for which I haven't been able to get a CLI, stuck with a low limit of 2000.
