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Established Contributor
Posts: 825
Registered: ‎12-28-2011
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Re: AMEX Approval Scores

I am a student with limited income but was approved for BCE about a year ago for $3000. Experian in the 720s at the time. Tried for CLI at 8 months was denied.

 

Applied for Starwood card after 10 months with BCE, approved for $5000 with most favorable terms (therefore no credit score provided). I did notice Amex softing me like crazy during the past couple months, probably b/c of this new account and 2 others. They never softed me before now. Like always, I PIF at statement closing and make an additional payment beforehand if my balance exceeds 10% utilization from purchases that month. Hopefully they will relax soon. Just b/c I got some new credit cards doesn't mean I will default on you Amex! :smileytongue:

 

 

 

 

New Contributor
Posts: 63
Registered: ‎12-23-2011
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Re: AMEX Approval Scores

I want to apply for an AMEX card, but I am not sure if I will get approved. I pulled my score from My FICO and my TU score is at 658 and my EX score is 657. Also the week after, I opened up a credit union account and they pulled my credit score from TU and it says I have a +720. So I was wondering if I can get approved for an AMEX card.

New Contributor
Posts: 76
Registered: ‎05-26-2011
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Re: AMEX Approval Scores

Scores in sig. I tried for Amex on 2/1 and walked away empty handed. Not sure if it was the card I applied for (can't remember which), but they seem to be the card I won't have for a while longer yet.

Feb. 2012: TU: 677 EQ: 647 EX: 666
Aug. 2013: TU: 729 EQ: 726 EX: 697
Goal 2013+: 720+ All Three
New Member
Posts: 5
Registered: ‎02-21-2012
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Re: AMEX Approval Scores

Also applied for AMEX, but since still rebuilding/average scores as of yet, I applied for the Zync and was denied with a 671 Equifax. They counteroffered with a prepaid card. Things being as they are, it only makes sense to build a credit history with a personalized prepaid AMEX just like a secured card and try again about a year later!

 

 


Starting Score: EX 625 TU 579 EQ 603 (11/10/2011)
Current Score: EX 629 TU 652 EQ 671 (02/18/2012 - CC Pull)
Goal Score: 750 ACROSS ALL THREE BY Q2 2013

CapOne Secured 1000 - CapOne Classic MC 1000 - AMEX Prepaid (in the hopes that soon no more denials)

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Regular Contributor
Posts: 218
Registered: ‎02-03-2011
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Re: AMEX Approval Scores

just got approved for AMEX Hilton Honors with 689 Transrisk score.  2k starting limit :smileysad:

My TL : BCE AMEX 24k / BoA123 Sig 24k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Discover 13.5k / Citi World WEMC12.8k / CU Visa 11k/ Nordstrom Visa 10K / Freedom 10k / Citi AA 9.1k / Macy's Store 3K / Best buy 2.4K / BBRZ Gold 1.4K / AE 1.4k / Express 1.4K/
Moderator Emeritus
Posts: 10,898
Registered: ‎12-30-2011
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Re: AMEX Approval Scores


elburrito wrote:

Also applied for AMEX, but since still rebuilding/average scores as of yet, I applied for the Zync and was denied with a 671 Equifax. They counteroffered with a prepaid card. Things being as they are, it only makes sense to build a credit history with a personalized prepaid AMEX just like a secured card and try again about a year later!

 

 


They countered with a Pre-paid debit card, or a Pre-paid Zync (which I have at least heard rumors of)?

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Contributor
Posts: 513
Registered: ‎01-27-2011
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Re: AMEX Approval Scores

Any other new approvals/denials with Amex?
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Re: AMEX Approval Scores

Any stories of people getting approved by an AMEX card without having had a Zync first?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Established Contributor
Posts: 1,275
Registered: ‎12-02-2010
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Re: AMEX Approval Scores


FrugalRican wrote:

Any stories of people getting approved by an AMEX card without having had a Zync first?


Platinum Ex 750. No Zync.

Moderator
Posts: 9,674
Registered: ‎01-28-2010
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Re: AMEX Approval Scores


FrugalRican wrote:

Any stories of people getting approved by an AMEX card without having had a Zync first?



Yeah many people have been approved for other AMEX Charge Cards, or even credit cards with getting a Zync first.     The Zync card is popular among people rebuilding credit because of its more lenient approval standards, and it is viewed as a foot in the door to get better AMEX cards, like revolvers, in the future.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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