oops i quoted wrong person lol :-(
@mongstradamus wrote:
@KennyS2006 wrote:
@watch44 wrote:
@KennyS2006 wrote:
If you're going to app for another amex card... Yes, do it after your 61 day CLI.Also, remember to do the app in a private browser so that you can fully get your bonus points! I believe that you are able to downgrade it after one year, but your experience may vary. The Amex 3x CLI thread is a pretty good one, I'd read that:
http://ficoforums.myfico.com/t5/Credit-Cards/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071
Please don't hesitate to ask any more questions if you have them!Why does it matter waiting 60 days if it's just a SP once you already have an Amex card? And aren't charge cards easier approvals anyway? BTW, what's a private browser?
Sorry for hijack, OP. I'm just looking to get a charge card too.
Any new trade line approval with Amex will be HP, not sure if that's what you meant or not by the SP sentence. I don't know if the PRG is an easier approval than BCE. (I haven't delved into the world of charge cards with Amex, sadly.) I made the assumption based on if you were approved for 2 amex new revolvers you'd only be able to do an increase on one. Maybe this would not interrupt the OP's 61 day CLI with the revolver, however I personally wouldn't chance it if my goal was to maximize the chances of succeeding. Plus, they didn't seem like they wanted it that much anyway. (It's always better to garden a period of time than to blindly app on a whim.
Private Browser -- a lot of the browser's now offer this. It makes it so that the website you are going to doesn't recognize you by your cookies. With Amex, if you're already a member it can take away any bonus offer from a different party other than their base offer to you. (Such as creditcards.com offer for BCE and BCP 150/250 respectively.) (This can be known as incognito window, too. http://en.wikipedia.org/wiki/Private_browsing@ Haha @P0rn mode. :-S)
I think you may have been confused. It an sp if you are denied on amex application if you already have an amex card. Any approval will be an hard pull no matter what.
Ahhh, I get it now. I thought you only got SP's with Amex after your first card. So I take it you guys don't agree with the advice in some threads to get the easier charge card, then if approved, app for a BCE/BCP right away? But that may be different since it's not 2 revolvers. Anyway, thanks for the additional info, Kenny. And I'm gonna try out this porn mode later. 
@watch44 wrote:
@mongstradamus wrote:
@KennyS2006 wrote:
@watch44 wrote:
@KennyS2006 wrote:
If you're going to app for another amex card... Yes, do it after your 61 day CLI.
http://ficoforums.myfico.com/t5/Credit-Cards/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071
Please don't hesitate to ask any more questions if you have them!Why does it matter waiting 60 days if it's just a SP once you already have an Amex card? And aren't charge cards easier approvals anyway? BTW, what's a private browser?
Sorry for hijack, OP. I'm just looking to get a charge card too.
Any new trade line approval with Amex will be HP, not sure if that's what you meant or not by the SP sentence. I don't know if the PRG is an easier approval than BCE. (I haven't delved into the world of charge cards with Amex, sadly.) I made the assumption based on if you were approved for 2 amex new revolvers you'd only be able to do an increase on one. Maybe this would not interrupt the OP's 61 day CLI with the revolver, however I personally wouldn't chance it if my goal was to maximize the chances of succeeding. Plus, they didn't seem like they wanted it that much anyway. (It's always better to garden a period of time than to blindly app on a whim.
Private Browser -- a lot of the browser's now offer this. It makes it so that the website you are going to doesn't recognize you by your cookies. With Amex, if you're already a member it can take away any bonus offer from a different party other than their base offer to you. (Such as creditcards.com offer for BCE and BCP 150/250 respectively.) (This can be known as incognito window, too. http://en.wikipedia.org/wiki/Private_browsing@ Haha @P0rn mode. :-S)
I think you may have been confused. It an sp if you are denied on amex application if you already have an amex card. Any approval will be an hard pull no matter what.
Ahhh, I get it now. I thought you only got SP's with Amex after your first card. So I take it you guys don't agree with the advice in some threads to get the easier charge card, then if approved, app for a BCE/BCP right away? But that may be different since it's not 2 revolvers. Anyway, thanks for the additional info, Kenny. And I'm gonna try out this porn mode later.
I think people like getting prg first since it may be easier. Then you can try for bce later since it can be backdated to when you were approved for prg.
@watch44 wrote:Ahhh, I get it now. I thought you only got SP's with Amex after your first card. So I take it you guys don't agree with the advice in some threads to get the easier charge card, then if approved, app for a BCE/BCP right away? But that may be different since it's not 2 revolvers. Anyway, thanks for the additional info, Kenny. And I'm gonna try out this porn mode later.
Haha! I wish! It's SP if denied if you're already an Amex member. (after your first card.) No, of course, the charge card is easier to get, I'm simply saying the PRG and BCE have different underwriting criteria. I hope your Amex card gets to you quickly!
@mongstradamus wrote:
I think people like getting prg first since it may be easier. Then you can try for bce later since it can be backdated to when you were approved for prg.
If it's easier, I would think that's the way to go, that way if denied for BCE/BCP then it's no HP.
@KennyS2006 wrote:
@mongstradamus wrote:I think people like getting prg first since it may be easier. Then you can try for bce later since it can be backdated to when you were approved for prg.
If it's easier, I would think that's the way to go, that way if denied for BCE/BCP then it's no HP.
If you think you are borderline with bcp i think thats the way to go, but if you have no intentions of using prg and you think you can get bcp with no problem. Then going straight to bcp would be better option imo.