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Keep getting denied for Amex ED - What's the min score?

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ljohn27
Contributor

Keep getting denied for Amex ED - What's the min score?

What is the min credit score for the Amex ED and BCE cards. I have the PG, Plat and Delta but got denied for the ED 2x. My scores are in the high 600's.

EX 678 | TU 689 | EQ 698 LENDER PULL 07/22/2014
EX 655 | TU 690 | EQ 678 MyFICO SCORES 07/09/2014
Message 1 of 7
6 REPLIES 6
MT936
Established Contributor

Re: Keep getting denied for Amex ED - What's the min score?

how long have you been with amex

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 2 of 7
ljohn27
Contributor

Re: Keep getting denied for Amex ED - What's the min score?

Member since 2006 on a corp card...but personal cards (PRG and Plat) since March 2014 and Delta just got this mo. They all have member since 2006 but cards were opened this year

EX 678 | TU 689 | EQ 698 LENDER PULL 07/22/2014
EX 655 | TU 690 | EQ 678 MyFICO SCORES 07/09/2014
Message 3 of 7
MT936
Established Contributor

Re: Keep getting denied for Amex ED - What's the min score?

too many in a short amount of time possibly. wait 6 months then apply your score should be over 700 by then you should have a good shot then

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 4 of 7
ljohn27
Contributor

Re: Keep getting denied for Amex ED - What's the min score?

ok thanks

EX 678 | TU 689 | EQ 698 LENDER PULL 07/22/2014
EX 655 | TU 690 | EQ 678 MyFICO SCORES 07/09/2014
Message 5 of 7
notfancy
Valued Contributor

Re: Keep getting denied for Amex ED - What's the min score?

Hi there. I can only offer some info. I got my first Amex on June 8th, so unlike you, I'm a new member. However based on my info in my post here: http://ficoforums.myfico.com/t5/Credit-Card-App-Approvals/BCE-approval/td-p/3157184/highlight/true/p...

 

I would say I was a very borderline approval. The score that they gave me at the time of approval was Experian FICO:659, and my other stats are  in  the post I liked above. I got their highest interest rate, a low credit limit, and etc.. so I think I'm about as low as they'll accept when you also consider all of my inquiries, new accounts, etc.

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 6 of 7
takeshi74
Senior Contributor

Re: Keep getting denied for Amex ED - What's the min score?


@ljohn27 wrote:

What is the min credit score for the Amex ED and BCE cards. I have the PG, Plat and Delta but got denied for the ED 2x. My scores are in the high 600's.


Was score cited as the only reason?

 

When did you get the other cards?

 


@ljohn27 wrote:

My scores are in the high 600's.


Does AmEx actually use those scoring models in their approval decisions?

Message 7 of 7
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