Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
When I started a new job in 2007, I had an active bk on all CR's. I have to travel out of the country a lot so the AMEX was needed since I didn't have any credit cards. I bit my nails waiting for the approval, but it wasn't even an issue. I beleive like someone else said, that I was just added on as an AU. I still have the card and I have never had an issue with making any transactions.
Even if you have to apply for your own card, the standards are probably more lax. I had to apply for a corporate Diner's Club card at my last job. I don't know what my scores were at the time, but if I had to estimate, they were mid-500s. I was initially denied due to delinquent accounts. I had 7 accounts that had gone between 90 and 150 days late, but I had brought them all current. I wrote a recon letter pointing out that while I had several late payments, it was due to a period of unemployment and all accounts were now current. They gave me the card. And this was in early 2009. I'd think you'd be fine for a corporate Amex with a 640.
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