Reply
Moderator
pizzadude
Posts: 8,170
Registered: ‎01-28-2010

Re: Corporate AMEX can I be denied??

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.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

Re: Corporate AMEX can I be denied??

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.

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14
New Contributor
ptkdude
Posts: 64
Registered: ‎03-25-2011

Re: Corporate AMEX can I be denied??

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.

Starting Score: 660 Jan 2012
Current Score: 693
Goal Score: 700


Take the FICO Fitness Challenge

Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Corporate AMEX can I be denied??


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.

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

 


 






Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: Corporate AMEX can I be denied??


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.


+100

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Regular Contributor
turts14
Posts: 129
Registered: ‎02-14-2012

Re: Corporate AMEX can I be denied??

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? 

New Contributor
ptkdude
Posts: 64
Registered: ‎03-25-2011

Re: Corporate AMEX can I be denied??


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? 


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.

Starting Score: 660 Jan 2012
Current Score: 693
Goal Score: 700


Take the FICO Fitness Challenge

Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

Re: Corporate AMEX can I be denied??


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? 


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

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14
New Member
jgmlk1108
Posts: 1
Registered: ‎07-03-2012

Re: Corporate AMEX can I be denied??

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.  

Frequent Contributor
cassembler
Posts: 470
Registered: ‎02-07-2011

Re: Corporate AMEX can I be denied??


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.  


+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).

"Credit is purely a cash flow tool. Thinking of credit as extra money you didn't have before makes it an EXPENSIVE cash flow tool."

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+