Which American express card is the easiest?

[Anonymous]

This December 1st I will have 6 months of established credit and would like to have an American express product or anyone know which card to get when I have 6 months of credit

[chalupaman]

Lot of people have said that the charge cards are generally easier to get if you're unsure of your chances at a revolver. The underwriting requirements for the charge cards are basically the same so you can pick any one of those. I'd recommend the PRG if you're gonna go that route since they wave the AF for the first year and it actually has better rewards compared to the Green.

I'd say the easiest revolver to get with limited history would be the Gold Delta Amex card but I've seen people who have been able to get the cards they want too. I've also heard that the Starwood Preferred Guest card is similar too in terms of underwriting. I got in with Amex with around 9 months of history but I think it's possible to get in with them even earlier than that. I'd go ahead and try now to see if you can establish your MSD too.

[CreditCuriosity]

Honestly people say the charge cards are the easiest... aka green, PRG, platinum.. I really don't know if that holds any truth though...

Regarding probably the easiest to get revolvers would be delta then probably the ED card by what I have seen recenty. 

Want to get in with amex in the next month or two, but trying to decide between the charge and revolver such as delta or ED.. As stated I don't think personally there is a difference between the charge cards and the two revolvers I mentioned, maybe just slightly.  People have been approved with ED with scores in 635ish range same with charge cards.  all depends on your file i guess

Just my 2 cents.

[elim]

good reading here

http://ficoforums.myfico.com/t5/Credit-Cards/Is-AMEX-worth-it/m-p/3662500#U3662500

best of luck

[CreditCuriosity]

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@elim wrote:

good reading here

http://ficoforums.myfico.com/t5/Credit-Cards/Is-AMEX-worth-it/m-p/3662500#U3662500

best of luck

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oh no not that thread lol!

[chalupaman]

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@elim wrote:

good reading here

http://ficoforums.myfico.com/t5/Credit-Cards/Is-AMEX-worth-it/m-p/3662500#U3662500

best of luck

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"No, no, no, no, no, noooo!" - Cleveland Brown from Family Guy

[Anonymous]

Popa mode
Thank you so much, so would you say it be easier for me to get any credit cards having 6 months of payment history on my credit one credit card. I heard usually at 6 months that's when you have established credit or a score at least. Which card products would you recommend

[Anonymous]

What is an ED card?

[chalupaman]

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@Anonymous wrote:
Popa mode
Thank you so much, so would you say it be easier for me to get any credit cards having 6 months of payment history on my credit one credit card. I heard usually at 6 months that's when you have established credit or a score at least. Which card products would you recommend

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I'd still really encourage you to try Amex and if that doesn't work, try again in a couple of months.

You can also try the Discover It card for students (I don't know if you are but if you are that would certainly be a good option IMO and likewise with the BoA cash rewards student version too) if you want a card with a much better rewards structure and with a good prime lender too. I got mine with an instant approval after I generated a FICO score. Only thing I really hate about the card though is that it hasn't really grown at all as my credit has improved but maybe they might like how you're relatively still a newcomer when it comes to credit.

[msbia]

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@Anonymous wrote:
What is an ED card?

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EveryDay, My daughter turned 18 in July. Two small limit unsecured card. Approved today for BCE at $4,500 starting limit. 4 months of history. Good luck OP!