Easiest AMEX card to obtain?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
6 posts
dk11
Green Member
Green Member
 
Posts: 10
Joined: Tue Nov 09, 2010 3:31 pm
Location: New York

Easiest AMEX card to obtain?

Postby dk11 » Mon Nov 15, 2010 10:10 am

and what credit score do you think you need to obtain it? I was looking at the Zinc card but it seems primarily for younger college kids and I've been out of school for a couple of years now.


User avatar
alsteig
Platinum Member
Platinum Member
 
Posts: 95
Joined: Sun May 23, 2010 5:28 pm
Location: San Diego, CA USA

Postby alsteig » Mon Nov 15, 2010 8:19 pm

I have been out of school for two (2) years and got the AMEX Blue cash, with the lowest marginal rate. I pulled my credit and found I was an overall 767. If you have an idea of what your score is, according to AMEX you should be in the mid to high 700's.

Debt Ghost
 
Posts: 1
Joined: Thu Nov 18, 2010 10:55 am
Location: Boston

Postby Debt Ghost » Thu Nov 18, 2010 10:58 am

I found that the Zync Card was pretty easy to obtain. I'm not real sure how I got it because my scores aren't so great.

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Sat Nov 20, 2010 4:13 pm

There is another thread about this topic you should check out- http://creditcardforum.com/american-express/1178-easiest-american-express-card-get.html
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

User avatar
Nbirnbaum2
Green Member
Green Member
 
Posts: 6
Joined: Fri Nov 26, 2010 1:40 pm
Location: San Diego

Postby Nbirnbaum2 » Fri Nov 26, 2010 2:00 pm

I have a Zync,

I dealt with an id theft and had to rebuild. I got a decline because AMEX fraud department is incompetent and wrote amex closed my account on my old accounts and did not put closed as fraud. Anyways I have had very bed experiences with AMEX and have had to escalate everything to their executive offices. They still agreed they screwed up and reported wrong info for several years to the bureaus after the investigations.
They would not give me my credit lines back, but were more than happy to give me a zync card. I simply do not feel comfortable using the card for any type of major purchases and just use it to charge a few beers at the month. Great card for going out because you cant act like an idiot. The spending approval program on the site has no problem approving 14 and 15 thousand dollar purchases, never tried for higher as I really dont need it, I can pay cash every month.

Regardless I got this with a 665 transunion Fico and 4 months of history but I had them verify a previous long relationship and underwriting got fraud involved then escalated to executive offices, score now 752.

I will keep the card, but even though I know I qualify for a platinum I would rather not get one as I dont trust the company anymore. The 25 dollar fee I consider acceptable as I get the free extra 1 year warranty on electronics which makes it worth while.

The company is funny, I am 27 and have a fully paid for 2.4 million dollar house with no debt and wants to play games.

I actually found a better deal then the platinum amex for anyone whole qualifies ; military service etc

Pentagon Federal has an amex with the same concierge as the platinum for $50 rather than 450 dollars.

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Sun Nov 28, 2010 10:42 pm

Nbirnbaum2, even if you don't want anymore Amex cards I would still strongly recommend you resolve those mislabeled accounts on your credit report.

The company is funny, I am 27 and have a fully paid for 2.4 million dollar house with no debt and wants to play games.


Credit cards should take into account assets, but none do that I know of. Instead only credit score and income is used, which I agree doesn't make sense, especially for someone like you, someone that's retired, inherited a lot of money, etc.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests