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American Express

Established Member

American Express

Hello,

 

At what credit score would I need to get an Amex?

Message 1 of 16
15 REPLIES
Frequent Contributor

Re: American Express

It's really hard to tell just base on ones scores. 

Past history with creditor, balance on other cards, length of credit history, ect...

 

Please provide more details 

-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks
Message 2 of 16
Senior Contributor

Re: American Express

Depends on which product as well. More details would help.

Message 3 of 16
Frequent Contributor

Re: American Express

My scores are 730 when I was approved for the Amex gold.

Starting Score: 744
Current Score: 744
Goal Score: 800


Take the FICO Fitness Challenge
Message 4 of 16
Senior Contributor

Re: American Express

Scores are only 1 part of the equation with AMEX.

 

They look at breadth and depth of credit.  Income.  Debt.  Any past AMEX accounts and their performance.  Actual contents of your credit report, including historical balances, not just current balances.

 

And AMEX changes their approval criteria often.  It moves around like a stock ticker.

 

The one thing you can rest assured of:  AMEX is a conservative, prime lender.

 

If you have good credit and a good score, along with good income and reasonable to low debt....then you should be fine.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 5 of 16
Frequent Contributor

Re: American Express

AMEX sucks!!!! I would definately say go with someone else. I have a squeeqy clean record now (no lates, no derogs, no baddies - did pay for delete and cap1 cudnt verify derog so they took it off) with a CS of 725. I apped with them and they denied with reasons that are incorrect - which I am still disputing with AMEX and I sent my credit report - but even if I do get the card it will be SD'd and I dont care about Amex anymore - they will never ever earn my business.
Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)
Message 6 of 16
New Contributor

Re: American Express

I got an Amex Blue with 740~ish. Though I am in agreement with MyFicoAddict that almost anything is better than AMEX right now.
Message 7 of 16
Contributor

Re: American Express

yep amex sucks    amex blue 17.99% apr sucks 

Starting Score: 760
Current Score: 760
Goal Score: 800


Take the FICO Fitness Challenge
Message 8 of 16
Frequent Contributor

Re: American Express


xchap wrote:
yep amex sucks    amex blue 17.99% apr sucks 

you are absolutely right. I have been keeping on my amex blue just to keep some utility but that is going to be paid off in the next thirty days and the card will be sd'd and i am calling amex tomorrow and tell them to actuall notate my acct that they will NEVER get my business and when the credit crunch is over and the economy is back up and all is fine and dandy and when they do send me pre-approvals - i am sending them back in the pre-paid envelope with "kiss my @#$" all over it..  hehehe.. Smiley Very Happy

Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)
Message 9 of 16
Senior Contributor

Re: American Express


MyFicoAddict wrote:

xchap wrote:
yep amex sucks    amex blue 17.99% apr sucks 

you are absolutely right. I have been keeping on my amex blue just to keep some utility but that is going to be paid off in the next thirty days and the card will be sd'd and i am calling amex tomorrow and tell them to actuall notate my acct that they will NEVER get my business and when the credit crunch is over and the economy is back up and all is fine and dandy and when they do send me pre-approvals - i am sending them back in the pre-paid envelope with "kiss my @#$" all over it..  hehehe.. Smiley Very Happy


 

Can you record that call, upload it somewhere and post a link here so we can all hear it? It would be interesting to see how much attention the CSR was paying in their "Dealing With the Hostile Cardholder" training session.
Message 10 of 16