What is easy to get Amex Credit Card

[Red1Blue]

What is easy to get Amex Credit Card ( not charge card) and what scores they want and what CRA Amex normally pulls ?

[Anonymous]

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@Red1Blue wrote:

What is easy to get Amex Credit Card ( not charge card) and what scores they want and what CRA Amex normally pulls ?

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it really depends on your portfolio. What kind of Scores do you have?? They always pull Experian version 8.

[austinguy907]

There's no easy one to get or everyone would have one.  There's more to it than just scores too as I would've picked one up sooner than when they finally let me in the door.  There are always rumors of which one is the easy one to get but, if you don't have what they're looking for they're just going to kick you to the curb.  

[SouthJamaica]

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@Red1Blue wrote:

What is easy to get Amex Credit Card ( not charge card) and what scores they want and what CRA Amex normally pulls ?

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It's generally believed that the Delta SkyMiles is the easiest Amex card to get approved for.

[Red1Blue]

I have been a member of Amex for last 23 years. I have a PRG and Zync cards. Both are charge cards. I am thinking of cancel the PRG card with an AF of $195 and get  a credit card like Delta which has low AF or one of the No AF Amex cards. I went school and took out some loans and my scores dipped and they are around 660 now. Last week, I have paid most of the loans off and reduced my debt load. As the payments post and new balances updated, my scores should go back up again in the 700's soon and then I am planning on applying for one of it. 

[Red1Blue]

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@SouthJamaica wrote:

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@Red1Blue wrote:

What is easy to get Amex Credit Card ( not charge card) and what scores they want and what CRA Amex normally pulls ?

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It's generally believed that the Delta SkyMiles is the easiest Amex card to get approved for.

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Thank you. That is what I am thinking. Or one of the other cards that does not have AF. We will see in the next months what happens.

[Anonymous]

Overall, their underwriting criteria has laxed a bit. People get in with 660s and only being in the bureau for like 4 years. Not as hard as it seems and amex isn't the company they used to be.

[Tazman81]

Since you have a long history with them, I'm sure they will look more at their internal relationship with you.  If its been a good relationship, then it increases your odds of approval.  I would go with one of the charge cards that do not have an annual fee like the ED or the BCE.  Unless of course you do a lot of traveling on Delta to make that worth your while.  But if you already have a charge card relationship with AMEX, in my experience from reading the forums, you have an increased chance of getting other products with AMEX as long as you had a good history with them. (i.e. no late payments, no OTL, etc.)

[SecretAzure]

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@Tazman81 wrote:

Since you have a long history with them, I'm sure they will look more at their internal relationship with you.  If its been a good relationship, then it increases your odds of approval.  I would go with one of the charge cards that do not have an annual fee like the ED or the BCE.  Unless of course you do a lot of traveling on Delta to make that worth your while.  But if you already have a charge card relationship with AMEX, in my experience from reading the forums, you have an increased chance of getting other products with AMEX as long as you had a good history with them. (i.e. no late payments, no OTL, etc.)

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I believe you meant revolving cards...but I agree that those two are a great bet and they seem to like thin profiles for those cards.

[Tazman81]

Good catch Secret.  you are right.  I meant to say revolving card.  Thanks.