Here is the repeat of the post last time you said charge cards being harder than credit cards to get from AMEX. Some of your facts are incorrect (check capital one's website for example) and while your logic is sound, you are missing the point that there is no interest on charge cards because you aren't allowed to keep a balance. Stop buying into AMEX marketing BS. In any case, here was my previous post:
Evidence shows that Amex charge cards have lower credit standards than their credit cards. In fact, many believe that green, gold, plat credit standards are exactly the same. If you can get one, you can get them all. The zync is even easier to get. While I follow your reasoning on why you think Amex, in your words, premium, cards are harder to get because there is no interest, you are missing the point. Amex premium cards are charge cards (ie pay in full every month) which is why there is no interest. The risk is lower to Amex as you have no running balance and therefore easier to get. Amex cares most about their risk. The premium stuff is just buying into their marketing. Do a search on web on which is easier to get, Amex charge cards or credit cards.
Your reasoning around interest rates is uses incorrect facts. A credit card will have range of interest rates it charges and your credit score will determine what interest rate you pay in that range. First off, cap one venture blue has higher interest rate than cap one gold ventureone card which is opposite of what you said. why? Because its rewards are better. That is pretty typical of card issuers. Better rewards = higher interest. Both cap one cards are equally hard to get. As for your chase sapphire vs sapphire preferred, sapphire preferred is higher to get mainly around the fact that it doesn't grant small credit lines. However, the interest rates on both cards are exactly the same for given credit. Chase decided not to charge preminium for the extra points given for sapphire preferred although I guess the af might make up for that.
the Blue capitol1 venture card according to 1 of the supervisors has a lower interest rate than the gold. credit card companies make money in 2 ways either the annual fee or interest. So I called capitol1 spoke to a supervisor for about 15 minutes, the Main thing she said is most people who have the Blue card pay there bill in full she said there are a few that pay with interest. she said she can't give me the Blue for free.
because the interest rate is lower so they have to charge an annual fee., Even a chase banker told me that the Freedom is a regular credit card while the sapphire are harder cards to get. what are the interest rates on the Freedom vs both Sapphires?
If you ask me the Blue cash and clear are just regular credit cards, any working low level job can apply for 1 whether they get the card is 1 thing, while the premium cards like the green and the Gold are more for business travlers, higher level employees get these cards like you said because there's no interest they have to be paid in full, they can be harder to get.
I never said the Blue has higher interest than the gold. you might have misinterpreted what I said. but what the supervisor on the phone from Capitol1 said the Blue card is for people who have excellent credit and while both cards are hard to get the Blue is a litlle harder to get. like American expresses premium credit cards there a little harder to get if you ask for my opinion than the lending credit cards.