@jamesdwi wrote:
all charge cards have the same underwiting, choose the one that meet your needs. they are the easiest to get because they are essentially a 30 day loan decent income + a 650 EX fico and 6 months history with a major credit card
Credit cards are harder so if you are on the boaderline start with charge, to show your trust worthy, 680+ EX fico and 6+ month history with a major credit card and good income.
This is true. I have found their ED and Delta Gold to be the easiest to get.
I will say reading this thread that the Delta Gold was one of the easier ones, that makes sense, seeing as how they approved me for 3 cards in 5 weeks!!!
I had scores 40 points lower than what I have now. Inqs were TU-7 Eq-2 EX-6.
Just be sure you take advantage of the inquiry when you do apply. If your income supports it, go for both credit and charge. Also, I have found it very helpful for family and friends to check the amex prequal site often. Click around on the card you want the most. This has caused 2 people I know (with scores below 700) to receive mailers, and the longer they wait, the better the promotion. Everyday is 10k points redeemable for 50 dollars in amex gift cards, 100 in regular gift cards, or actually $200 worth of travel after 1k spend. You could get either 15 or 25k points for either the ED or EDP.
If you can afford the spend of 1k and another 1k, then double app and go for the PRG. Just cancel it in 51 weeks to avoid the 195 annual fee. Or downgrade it to one with lower/no annual fee.
