MTBer wrote:I recently chatted online with an AMEX customer service representative and asked which charge card has the most lenient qualifications with respect to credit history/score and income. I was surprised when I was told that they are all the same. Can this possibly be true? I'm skeptical.
I was also told that since I already have a card under my mother's account, the chances of being accepted for a given card are greater since I have a history with American Express, even though I am not the primary card member.
Is any of this true?
CreditCardGuru wrote:Welcome to the forum!
I have a feeling the CSR whom you spoke with was referring to the basic requirements; 18 years of age and the bare minimum income requirement. I speculate that each card has different requirements for applicant's credit score and history.
There have been a large number of forum members reporting that the Zync has been the easiest to get approved for.
To learn more and for a special promotional offer check out our American Express Zync Card review.
Best of luck!