Credit Card Center Advertiser Disclosure†
09-10-2009 08:42 PM
09-10-2009 09:18 PM
I have a personal Amex green card and the business Plum card. Fico Experian score was around 720 when approved and my utilization was pretty low, around 10%. I believe this is a big factor for Amex approval.
09-10-2009 09:23 PM
I understand your frustration but, this credit life is a game. Don't cry when things do not go right PLAY THE GAME. you stand to lose a lot more than AMEX. If they consider you to be a risk they will be too happy to se you gone . Within 20sec flat they will divide your CL onto 10 new account. Telephone hostility is not the answer and remember AMEX has the memory of an elephant!!!
but your post was still funny
09-11-2009 06:13 AM
CW, I know what you mean but its just ridiculous with this AMEX and from what I have read here and creditboards they are really **bleep**ty about approvals - like I said I had a 725 EX and around 10% util but still nada and that too already having a blue for almost 2 years with NO LATES what so ever. Hey man - the way I look at is if they dont want my business they can go you know where - lol!
Besides, I think I am done apping for another year and I pay in full anyways and the cards I have now will keep me going so AMEX can forget about me using their card or apping for another one - NOT GONNA HAPPEN MAN - hehe! I wont make the call very hostile - just pass my message along, record it and put it up here! lol
You should get the AMEX black and The black card from visa...
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.