What are my chances of getting approved?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Postby trumpet-205 » Sun Sep 23, 2012 11:24 am

Money card wrote:Trumpet Irvine is 100% correct the clear card is the lowest level card on there site, the vice president of cold stone , Dairy Queen
and shortline bus don't have these cards , but people that are busboys in restaurants, hosteses and are janitors in the offices probaly do.

there might be some people have good jobs like accountants who have the clear but not much.

I don't believe so. Clear is a no fee CC right off the bat (clearly competing with Citi Simplicity). Since Delta and Hilton are co-branded card, AMEX actually do get "paid" (in a manner of speaking) if more people are approved with it.

Here is my experience with it. I really wanted a BCE card. I couldn't get it even by holding Zync card for a year. AMEX always denied me for high internal risk score and not enough AMEX experience. If anything Zync does very little to help build AMEX relationship for me.

So what I did is cancelled Zync card, applied for Hilton card (instant approved for $2k). Then PC into BCE right after I got the card.

Here is another way to look at it. If I have an applicant who is more likely to do BT and/or CA from time to time, I will be more incline to hand out a normal CC verus a no-fee CC like Clear because I make additional profits from BT and CA fee. The reason banks don't hand out no fee CC to people with great and average credit is because by doing so they are losing potential profit. The very same reason why banks issue higher APR to less than excellent credit applicants.
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Postby TheDarkKnight » Sun Sep 23, 2012 12:06 pm

Money card wrote:well Dark Knight do you travel on business? if not I would recommend the Zync .

I am a tennis instructor in the morning/afternoon. A chef at night. Certainly not a busboy , host, etc. (although I did that plenty when I was in my teenage years).

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Postby TheDarkKnight » Sun Sep 23, 2012 2:10 pm

Well. Got denied by Delta Gold. Will try again in 4-5 months when my credit history should be improved with no balances.

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Postby jlam572 » Tue Sep 25, 2012 9:54 pm

I got approved for a green charge amex at age 26. I was only making 15k a year at the time too. Purchasing power was only around 1500 dollars for the first few months though. Which is understandable. I also had 2 other cards with around 4k in balances at the time...score was mid 700s at that point. Hope this helps.
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