Easiest AMEX card approval?

[taxi818]

Is that delta gold. Or delta sky miles. Or is that the same. I'm not picky. Hehehe. As long as it is amex. Will even take charge. How much limit did they give you.

[mongstradamus]

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@Anonymous wrote:

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@purebulldogs500 wrote:


For me most of my denials have been from their charge cards while most approvals are from their cc products. I applied for zync when they still offered it, declined. Applied for green, declined. Finally got in with everyday card. Seems backwards for me.

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But presumably this was over some period of time (zync went away quite a while before Everyday was available) so your credit report might have improved a lot from Amex's view point (see if you can get a charge now!).

Also, it's possible that there is a push on the Everyday (want to show good figures) so the standards might be slightly lower than usual.

Not sure why charge should be easier than credit, though apparently there is empirical evidence for it.  People have said that the risk is lower because charge cards have to paid off each month, but that makes little sense to me, as the concern is precisely someone choosing not to pay!   So you have an internal limit on the charge, a credit limit on the cc (and in any case any individual charge can be declined) so it seems the risk should be up to that limit.

It might be that because of their history, Amex feels that there algorithms are more accurately predictive for charge cards, so are more willing to take lower-scoring applicants who appear to be OK.

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I do think they are/were pushing the ED and EDP cards heavy, because of this i think they lowered the requirements for the card. i have no evidence that this is what is happening but that is just the feeling i get. 

[taxi818]

All of this being said. Is it best to go for charge first. Then couple hours later go for amex ed. If approved. If declined. Just wait. Which first ?

[AvadaKedavra]

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@taxi818 wrote:
All of this being said. Is it best to go for charge first. Then couple hours later go for amex ed. If approved. If declined. Just wait. Which first ?

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If you're declined for the first card then you have to wait 30 days to apply for another. If you're approved for one, you can app immediately after if you really want to.

[AvadaKedavra]

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@mongstradamus wrote:

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@Anonymous wrote:

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@purebulldogs500 wrote:


For me most of my denials have been from their charge cards while most approvals are from their cc products. I applied for zync when they still offered it, declined. Applied for green, declined. Finally got in with everyday card. Seems backwards for me.

---

But presumably this was over some period of time (zync went away quite a while before Everyday was available) so your credit report might have improved a lot from Amex's view point (see if you can get a charge now!).

Also, it's possible that there is a push on the Everyday (want to show good figures) so the standards might be slightly lower than usual.

Not sure why charge should be easier than credit, though apparently there is empirical evidence for it.  People have said that the risk is lower because charge cards have to paid off each month, but that makes little sense to me, as the concern is precisely someone choosing not to pay!   So you have an internal limit on the charge, a credit limit on the cc (and in any case any individual charge can be declined) so it seems the risk should be up to that limit.

It might be that because of their history, Amex feels that there algorithms are more accurately predictive for charge cards, so are more willing to take lower-scoring applicants who appear to be OK.

---

I do think they are/were pushing the ED and EDP cards heavy, because of this i think they lowered the requirements for the card. i have no evidence that this is what is happening but that is just the feeling i get. 

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If you dont mind sharing, when did you app for the ED and what was your CR looking like?

[Anonymous]

Come to think of it, ive been declined for every charge card I applied for except for 1. The cc they seem to approve me for more for some reason.

I was nervous about applying due to utilization but started with the everyday card with low

[mongstradamus]

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@AvadaKedavra wrote:

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@mongstradamus wrote:

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@Anonymous wrote:

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@purebulldogs500 wrote:


For me most of my denials have been from their charge cards while most approvals are from their cc products. I applied forzync when they still offered it, declined. Applied for green, declined. Finally got in with everyday card. Seems backwards for me.

---

But presumably this was over some period of time (zync went away quite a while before Everyday was available) so your credit report might have improved a lot from Amex's view point (see if you can get a charge now!).

Also, it's possible that there is a push on the Everyday (want to show good figures) so the standards might be slightly lower than usual.

Not sure why charge should be easier than credit, though apparently there is empirical evidence for it.  People have said that the risk is lower because charge cards have to paid off each month, but that makes little sense to me, as the concern is precisely someone choosing not to pay!   So you have an internal limit on the charge, a credit limit on the cc (and in any case any individual charge can be declined) so it seems the risk should be up to that limit.

It might be that because of their history, Amex feels that there algorithms are more accurately predictive for charge cards, so are more willing to take lower-scoring applicants who appear to be OK.

---

I do think they are/were pushing the ED and EDP cards heavy, because of this i think they lowered the requirements for the card. i have no evidence that this is what is happening but that is just the feeling i get. 

---

If you dont mind sharing, when did you app for the ED and what was your CR looking like?

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sorry i was unclear from what i can tell from reading other posts they have been pushing those cards. I haven't actually applied for either of them . I am waiting for PRG offer before i app for anything more especially amex.