American Express Blue Cash credit card

[Raziel77]

Here is a quick summary for my credit history

My oldest account is 1 year old with a $1500 CL, HSBC card

Second account is 6 months old with CL 400, Kohls credit card.

pay in full each month, my score is as follows:

TU FICO: 738

EQ FICO: 721

EX "PLUS Score";: 732

I will apply soon to American Express Blue Cash credit card, what are my chances to get approved? should I wait? If I was denied, will I be considered for another AMex card automatically, or I should re-apply again and get another hit in my report? or maybe I should apply from the begining to an easier card.

I appreciate your help

[Creditaddict]

I would apply for a charge card, if that is approved, go right back in and apply for the blue, will be same inq if on same day. if you are approved for charge but not blue, wait 6 months with charge card history and try again

[Raziel77]

Thank you so much, it is a great idea, which one of the Amex cards is the charge card you refer to? If my approval to the charge card wasn't instant, will American Express allow me to switch it to the Blue Cash later?

[Creditaddict]

I would apply for the highest level gold card which is $175 a year but free for 1 year, then after 1 year you could product change to zync for $20 a year.

you would not however be able to product change to a credit card from charge card

[Raziel77]

Now, what are Amex CHARGE cards?

[Creditaddict]

you pay in full each month

Zync, Green, Gold, Platinum

[Raziel77]

Thanks

[Anonymous]

I applied for that exact Amex blue cash card. I ended up getting declined and decided to apply for the Amex with Bank of America. Luckily they approved me with a start of 2K.

[Raziel77]

so I should forget it, my scores are less than yours

[Creditaddict]

my friend with a 630 score was approved for a gold card