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freeurmind
Valued Member

AMEX

Does any one know what it takes to get approved for an American Express card?


Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


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Message 1 of 13
12 REPLIES 12
boomhower
Valued Contributor

Re: AMEX

Depends on the card, revolvers are harder to get than charge cards.  Generally mostly clean reports with no recent negs and low utility.  They aren't much different than the other prime players.

Message 2 of 13
freeurmind
Valued Member

Re: AMEX

What about a Green Amex Business Card? Do you Know? 


Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


Take the myFICO Fitness Challenge
Message 3 of 13
webhopper
Moderator Emeritus

Re: AMEX

I think you may have a shot at the green card.  Business or Personal, the criteria is about the same.

 

Just don't apply for Plum or any of their revolvers, you wouldn't be approved for those.

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 4 of 13
LS2982
Mega Contributor

Re: AMEX


@freeurmind wrote:

Does any one know what it takes to get approved for an American Express card?


How does your EX file look??

 

-INQ's??

-Baddies??

-Accounts?

 




EQ FICO 548 3/3/16
Message 5 of 13
freeurmind
Valued Member

Re: AMEX

In the past 6 months I've had only 1 inquiry on my report. The only negative info on my credit report was 60 + days of late payments for two of my cards back in 2007. I've had a Upromise card for about 5 years now, which now is Barcalay Card, One Business Capital One card and recently the Discover IT card. Those are the only cards I have right now. 


Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750


Take the myFICO Fitness Challenge
Message 6 of 13
navigatethis12
Valued Contributor

Re: AMEX


@freeurmind wrote:

Does any one know what it takes to get approved for an American Express card?


A pulse.

Message 7 of 13
eviLution
Established Contributor

Re: AMEX


@freeurmind wrote:

Does any one know what it takes to get approved for an American Express card?


A pint of blood from a virgin.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 8 of 13
Bobert22
Contributor

Re: AMEX


@eviLution wrote:

@freeurmind wrote:

Does any one know what it takes to get approved for an American Express card?


A pint of blood from a virgin.


Haha! Smiley Tongue

 

 

OP: I would apply for the Green Charge card and build relationship with American Express and then in about a year try for a Revolver if you'd like.

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 9 of 13
TrueGeminiNC
Frequent Contributor

Re: AMEX

I was just approved for the American Express Green Card today with an Equifax score of 630 and TransUnion score of 629.  A friend who works for AMEX suggested that AMEX looks at a lot of information when making its decision and the Green Card is the easiest card to get.  Notably, my credit utilization is very low and my income is now relatively high.  I am hoping this new account will help boost my credit score as I hope to purchase a home next year.  

 

I also have a Citibank Secured Mastercard which expires 11/2013.  I am hoping the addition of the AMEX card will prompt Citibank to graduate my account.  

 

Lastly, I would say apply for the AMEX card and truly,  I love these forums!  By monitoring my credit via myFico.com and taking advantage of the advice here in the community forums, I have been able to succesfully rebuild my credit.  

Message 10 of 13
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