11-08-2009 06:36 PM
11-08-2009 07:27 PM
For me AMEX has always been sketchy. In the past I had applied for a Plat card with them online and was instantly denied. I called up the next day and applied over the phone and was instantly approved.
More recently I applied for a Costco Amex card. Been with AMEX since 2000, I've had a plat card with them in the past which I downgraded to a gold card, never been late with anything, FICO's 760+, income $250K +, and I was denied.
Since Amex has their own little internal scoring system I think it's difficult to say. My experience has been it's a total crap shoot.
P.S. Amex is one of the companies I'm moving away from as they seem so **bleep** inconsistent with their policies. Customer service has also been spotty for me lately.
11-08-2009 07:39 PM
Any prior AMEX experience, or current holder of another AMEX card? Your income is fine and FICO is good, but prior lates could be problematic with AMEX. I got a Starwood card about 4 years ago, instant approval online for a large CL, but I was already a Gold Card holder for 25 years before that so that greased the skids. I'd say you have 50/50 chance of getting approved.
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