Credit Cards

[pizzadude]

One more point here is that once you establish your member since date with your Corp AMEX any future personal AMEX cards can be backdated to it.

[android01]

I can confirm that if you've burned AMEX in the past, you'll not likely get a card even as an AU on a business card.  I have 8 AU's (employees) on my Business Platinum.  I made a new hire, and when I tried to add him as an AU, AMEX denied him.

[ptkdude]

I had the same concerns a few years ago when I needed to get an Amex Corporate Card for my employer (a very large corporation). My credit was horrible with probably not a single good trade line. I had no problem getting the card. I started cleaning up my credit in 2010, and got a personal Amex Zync last year and a Delta Gold just last month. Both were backdated to 2008 to match the corporate card.

[CS800]

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pizzadude wrote:
One more point here is that once you establish your member since date with your Corp AMEX any future personal AMEX cards can be backdated to it.

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Happened the opposite for me.

I had an optima platinum in 2000, but got my corp amex in 2005. But my Corp AMEX says member since 2000

[injustifiiable]

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android01 wrote:

I can confirm that if you've burned AMEX in the past, you'll not likely get a card even as an AU on a business card.  I have 8 AU's (employees) on my Business Platinum.  I made a new hire, and when I tried to add him as an AU, AMEX denied him.

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+100

[turts14]

Sounds like given the circumstances I should be just fine.  Thank you all for your help. 

One more question will this report on my credit report? or only if I sign up for an AMEX card in the future on my own then it will back date it? 

[ptkdude]

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turts14 wrote:

Sounds like given the circumstances I should be just fine.  Thank you all for your help. 

One more question will this report on my credit report? or only if I sign up for an AMEX card in the future on my own then it will back date it? 

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My corporate Amex does NOT report on my credit report, though my Zync and Delta trade lines show opened the same year as the corporate card. One other note: for the corporate card I did have to provide my SSN, but that was only so they could identify me if I called in to customer service.

[android01]

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turts14 wrote:

Sounds like given the circumstances I should be just fine.  Thank you all for your help. 

One more question will this report on my credit report? or only if I sign up for an AMEX card in the future on my own then it will back date it? 

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No. My business AMEX does not report on my personal credit report, and no, it doesn't report of my AU's either. 

[jgmlk1108]

No, they will not deny you (atleast with one I had awhile ago).  They will give you a lower limit than unlimited.  I think with mine it was $2,000 limit.  I had to supply my SSN but it was for identification purposes only.  I was worried and asked my office manager and she verified everyone was fine, I guess it depends on how many people have the card and are apart of your company.  My company had thousands of Amex's so the company guaranteed them no matter what.  They did a HP which I found weird, but I think it had more to do with identity purposes.  

[cassembler]

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jgmlk1108 wrote:

No, they will not deny you (atleast with one I had awhile ago).  They will give you a lower limit than unlimited.  I think with mine it was $2,000 limit.  I had to supply my SSN but it was for identification purposes only.  I was worried and asked my office manager and she verified everyone was fine, I guess it depends on how many people have the card and are apart of your company.  My company had thousands of Amex's so the company guaranteed them no matter what.  They did a HP which I found weird, but I think it had more to do with identity purposes.  

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+1, I believe mine was a hard pull, my FICO at the time was probably ~600 with open collections, and the company had to do a secured $2000 deposit... Really kind of embarassing.  Not a small company either (about 1000 employees). I saw a new hard inquiry (which I did not initiate) about a year ago and now have an unlimited account (better scores).