Charge cards tend to have more lenient UW standards. They say if you're approved for a charge you can go for a revolver immediately afterwards and only take 1 HP. YMMV though.
@CostantinoA wrote:I want to join the Amex Family. I wanted to know which card is the easiest to get approved for. Also, charge vs credit card easier? Let me know.
Not sure what the rest of your profile looks like, but your Experian is both too low (a good 100 points or so) and has a ton of inquiries. I'd estimate you need to wait 6-12 months and re-evaluate then.
Delta Gold is probably the easiest revolver to get... I did a google search with that exact question and was pointed to that card in multiple threads on this forum and others.
Instant approval in December 2014 for $5k... no new accounts and INQs in a year. EX FICO was 680.
I have been unable to secure a CLI due to my 6+ year old Ch 13 still on my reports. I did cash in the bonus miles on a free trip that I am taking next week... Seattle to NYC for a week.
The card is my least used CC... no real incentive to get the Delta miles but I'm in the door with AmEx at least.
