Co-branded Amex easier to get?

[virgo]

Are co branded prime cards easier to get?

[elbori357]

I have been wondering about this. Do they go by the same underwriting rules and approval process?

[Stralem]

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

[Anonymous]

---

@Stralem wrote:

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

---

Fidelity Amex is issued by FIA not Amex Centurion Bank.  If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver. 

[virgo]

Amex decline me. My score is 703, no baddies at all, Hx 2yrs, NFCU, Chasex2, Cap1, stores, boatload of inquiries, PIF every month before statement cuts..

When I called, they said my balance to limits too high. WTH? I know they say 0, I was looking at my current report as I was speaking with the rep.

So I called the EO told them everything, he took notes and said he would get back to me.  That's why I asked about co-branded cards. I think I heard once that they were easier to get but I don't want to wasted ANOTHER hp to find out.

[gdale6]

If you are asking about the AMEX logo on cards issued by other banks than AMEX Centurion then the underwriting requirements would be different for each bank that offers such a card. The only thing with these cards is they use the AMEX network as conduit for payment.

[Stralem]

---

@Anonymous wrote:

---

@Stralem wrote:

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

---

Fidelity Amex is issued by FIA not Amex Centurion Bank.  If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver. 

---

He did only mentioned co-branded cards and not issuing bank.

[Anonymous]

---

@Stralem wrote:

---

@Anonymous wrote:

---

@Stralem wrote:

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

---

Fidelity Amex is issued by FIA not Amex Centurion Bank.  If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver. 

---

He did only mentioned co-branded cards and not issuing bank.

---

Correct.  The distinction was not clear. 

[AwwwYeee]

---

@Anonymous wrote:

---

@Stralem wrote:

---

@Anonymous wrote:

---

@Stralem wrote:

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

---

Fidelity Amex is issued by FIA not Amex Centurion Bank.  If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver. 

---

He did only mentioned co-branded cards and not issuing bank.

---

Correct.  The distinction was not clear. 

---

Does the 61 3xcli apply to co-branded cards? like does it work for barclays travelocity, macys amex, etc.?

[Anonymous]

---

@AwwwYeee wrote:

---

@Anonymous wrote:

---

@Stralem wrote:

---

@Anonymous wrote:

---

@Stralem wrote:

Well... It depends.

The Delta SkyMiles Gold anecdotally has less stringent underwriting than a Blue Cash Everyday. However, the Fidelity Amex card -- again, anecdotally -- can be a pain in the anus to acquire.

---

Fidelity Amex is issued by FIA not Amex Centurion Bank.  If OP is referring to cards issued by Amex Centurion Bank, it has been suggested that the Delta Amex is the easier revolver. 

---

He did only mentioned co-branded cards and not issuing bank.

---

Correct.  The distinction was not clear. 

---

Does the 61 3xcli apply to co-branded cards? like does it work for barclays travelocity, macys amex, etc.?

---

No, only for cc's issued by Amex Centurion Bank, not cards who simply use the Amex network.