ooxs wrote:The issue is American Express target folks with good to excellent credit
ooxs you are correct. American Express targets people with excellent credit. But I feel their premium cards are harder to get than their lending credit cards.
I would think it's easier for the original poster to get a clear card than a Zync.
I certainly agree about suggesting a JCP charge card, they are supposed to be easier to get than bank card, but I have heard from store employees at Macys they can be hard to qualify for. I do like that suggestion though.