Applying for Plat/Revolver as 1st Amex?

[CreditScholar]

Has anyone had any experience with this? Due to possible upcoming changes with the Chase CO PP, I was considering applying for the Amex plat and perhaps SPG.

How difficult is it to be accepted for these cards if they're your first with Amex? Would it be better off to apply for another Amex product first, and then go for these as additional cards?

[seattletravels]

I don't know anything about AmEx but I would imagine with those scores you would get approved for any card you want.

[jamesdwi]

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@CreditScholar wrote:

Has anyone had any experience with this? Due to possible upcoming changes with the Chase CO PP, I was considering applying for the Amex plat and perhaps SPG.

How difficult is it to be accepted for these cards if they're you're first with Amex? Would it be better off to apply for another Amex product first, and then go for these as additional cards?

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given your scores, unless you worked a miracle or have listed fako's or have some other badies that are getting ignored by your credit scores listed i don't see you have problems getting in with AMEX at some level.

I got an AMEX blue (revolver), and my highest score is 710 at the time, and zync the following month. Some here have gotten Zync with 650 scores. 

AMEX wants no missed payments for several years. Chargeoff''s are very bad. They will accept several collections if they are 3-4 years old. Must have multiple credit tradelines, With at least 1 year of credit experience. My AAoA is only 1 year.

[BlueHaze]

CreditScholar,

If those are your scores in your sig then you have nothing to worry about as long as you have no derogs ane excessive inquiries on your report.  Go ahead and apply and I bet you'll get instant approval.

[RyVision]

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@CreditScholar wrote:

Has anyone had any experience with this? Due to possible upcoming changes with the Chase CO PP, I was considering applying for the Amex plat and perhaps SPG.

How difficult is it to be accepted for these cards if they're you're first with Amex? Would it be better off to apply for another Amex product first, and then go for these as additional cards?

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With your scores and other info I read elsewhere, I don't think you'd have much of a problem being approved for either. IMHO

[CS800]

I agree withte previous posters. With your scores (assuming FICOs) the world belongs to you.

The Chase Palladium is knocking at your door asking for your autograph

[Anonymous]

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@CS800 wrote:

I agree withte previous posters. With your scores (assuming FICOs) the world belongs to you.

The Chase Palladium is knocking at your door asking for your autograph

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LOL Someone must apply for palladium!!! 

[RyVision]

1st Amex..........   23 years ago.   Dang, that still doesn't seem that long ago. And btw, the invite mailers haven't changed much in all that time! LOL

I think the MyFico board has approved  you already CS, you may as well get both LOL.   Just let us know

[CS800]

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@Anonymous wrote:

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@CS800 wrote:

I agree withte previous posters. With your scores (assuming FICOs) the world belongs to you.

The Chase Palladium is knocking at your door asking for your autograph

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LOL Someone must apply for palladium!!! 

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It's in my mind lol !

[Anonymous]

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@CreditScholar wrote:

Has anyone had any experience with this? Due to possible upcoming changes with the Chase CO PP, I was considering applying for the Amex plat and perhaps SPG.

How difficult is it to be accepted for these cards if they're you're first with Amex? Would it be better off to apply for another Amex product first, and then go for these as additional cards?

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Hey CreditScholar,

In all honesty, Amex has their own "twisted" logic, so I cannot give you a definite answer. However, based on the few details about your credit profile, I would be extremely surprised if you don't get at least the SPG. I would suggest that you apply for both Plat and SPG, as it would most likely result in one inquire. I would personally set up two tab on my internet browser and submit them within second of each other .

Given that you are a scholar ,

I am pretty sure your well aware that if you get denied there always more opportunities to present your case, i.e. backdoor number, manual review and etc. I would even go as far as settling for a Amex Gold/Green card and requesting a PC before the AF kicks in. That way, not only are you building a relationship with Amex but you save yourself an annual fee.

Just my two cents....