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Which AMEX Card has less strict UW?

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I_Love_Cards
Regular Contributor

Re: Which AMEX Card has less strict UW?

Your current DP's

-Great Util %
-One 8 yr old account (still open? Payment history good?)

-CO from 2013 (about to fall off)

-CO/something derogatory with Verizon within the last year?

-lates from '15, '16 and some less than a year old?

-brand new cards opened 1 and 4 months ago.

 

Amex seems to have some looser underwriting on at least some of their co branded cards (Hilton & Delta), but I think you might be in for a rough ride with some pretty recent lates/derogatory.  

 

 

Message 11 of 12
KJinNC
Valued Contributor

Re: Which AMEX Card has less strict UW?

For me, it goes:

 

Core revolvers > charge cards > cobrand revolvers

 

With core revolvers being hardest to get and cobrand revolvers being easiest to get.

 

This may be profile-specific and not universally true. JMO, good luck!



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 12 of 12
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