Tell me about the Amex Everyday Card..Score needed etc.

[Anonymous]

I went to creditcard.com and used the Cardfinder to find something in my credit realm.I didnt put any info in (like I did when I did the prequalification with Cap1) Any way a screen comes on with the message "Congratulations (my name) you have qualified for this offer and it shows the Amex Everyday Card..Is this a generic message? I cant imagine I would qualify with a Transunion score of 627.Any thoughts appreciated.Thanks!

[Anonymous]

You could try...but there are people who work for amex who have a higher credit score than yours who have been denied.

[taxi818]

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@SMOKEY2112 wrote:

You could try...but there are people who work for amex who have a higher credit score than yours who have been denied.

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Listen. You can put name. SpongeBob square pants. And it will say same thing. Take anything like that with grain of salt   Unless amex sent you a mailer. 

[Anonymous]

I was instantly approved with a 680 EX, thin file, AAoA very short, $2500 which was then CLIed into $7000 on activation

[Anonymous]

Amex will turn down anything below 670. EX 670 is the magic number for Amex approvals. Dont get a HP on your EX for somethaing that is unlikely based upon your stats. 

[AzaleaB]

This is just marketing. If your EX score is the same as TU, you should wait until your scores are a bit higher. Don't waste the INQs. Take the recommendation from the other poster and wait for score to hit 670  or so. Yes there are some exceptions and I was an exception also but he is recommending average-case.

[taxi818]

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@Anonymous wrote:

Amex will turn down anything below 670. EX 670 is the magic number for Amex approvals. Dont get a HP on your EX for somethaing that is unlikely based upon your stats. 

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Can't say that is true. As I know I got 2 amex cards with a 661. And got my cli. I even saw approval with a 635. It just depends on overall profile. Income. Assets. Etc. scores alone does not determine approval. But can help. I also saw 720 declined. How many negs. How old. All of it plays a role. 

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

Amex will turn down anything below 670. EX 670 is the magic number for Amex approvals. Dont get a HP on your EX for somethaing that is unlikely based upon your stats. 

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Can't say that is true. As I know I got 2 amex cards with a 661. And got my cli. I even saw approval with a 635. It just depends on overall profile. Income. Assets. Etc. scores alone does not determine approval. But can help. I also saw 720 declined. How many negs. How old. All of it plays a role. 

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+1

670 seems to be the general baseline but as with anything there are outliers.

[ADARPegasus]

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@Anonymous wrote:

I went to creditcard.com and used the Cardfinder to find something in my credit realm.I didnt put any info in (like I did when I did the prequalification with Cap1) Any way a screen comes on with the message "Congratulations (my name) you have qualified for this offer and it shows the Amex Everyday Card..Is this a generic message? I cant imagine I would qualify with a Transunion score of 627.Any thoughts appreciated.Thanks!

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You say your Transunion score is 627. AMEX doesn't usually pull TU they usually pull EX, So what is your EX score??

[ojefferyo]

There are lots of members on here that have received an AMEX with scores that are less than 670