Curious - what is AMEX criteria for being approved?

[HiLine]

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@Gunnar419 wrote:

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@HiLine wrote:

A clean record with 6 months + of credit history, in addition to decent income and non-excessive credit limits and balances, is a sufficient condition.

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And really you don't even need the decent income. Mine isn't what most people around here would consider decent and I got instantly approved. Low limit ($2k), but approved. Seems to me I also recall a few others reporting being approved for Amex, and even BCE, with incomes in the $20k range.

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Agreed. I personally know someone that obtained an SPG while being a college student too.

Congrats btw!

[creditnocash]

Just too add to the convo. 

i was approved for my zync in aug( didnt send score since its a charge card) 

i had about 8 inq's on each report 7 of them being less then 1-3 months old (they tripple pulled me) 

at that point it was like 11% util 

this was before i really started watching my credit, and half of my new cards didnt report yet. aaoa was around a year 

fast forward too jan, i jokingly apped for bce, thinking if denied soft, if i got it, i got the backdating, anyway

aaoa: was about 11 months, util is 20%(christmas shopping etc)  no inquries since zync. score provided was 726 on ex 

no derogs. 

was denied for high inq's, loan balance too amount( took out a car loan in august) and time with amex too short (5 months) 

oh well it was worth the app. 

thinking if i should jokingly reapply now, before a balance reports. but i dont want too step out of the garden if i got it. ughh choices choices. 

[Paperboy999]

I got approved with a 686 and 16% util for the BSP .
I've been a member since 10/12. The reasons they gave for low score are derog public record (state tax liens 5), length of time accounts established(2.9 yes), too many inquiries last 12 months(7 , 9 total) and my balances too high. Approved for 3000.

[IrishPM]

Try the Gold Delta Skymiles American Express card....I applied on April 1st, was approved via email on April 5th, was informed my CL at a minimum would be $4,500 but when I registered my account online, the CL was shown as $6,000. At the time I applied, my utilization was 28%, no negatives, no late payments, 15 year credit history, 2 open auto loans, and annual salary at $110,000. FICO scores were 680 and 672.