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What is the lowest FICO score required for American Has

Member

What is the lowest FICO score required for American Has

Has anyone heard of someone getting an American Express card with a FICO score less than 700?

Message 1 of 10
9 REPLIES
Valued Contributor

Re: What is the lowest FICO score required for American Has

Welcome to the forums!
Yes there have been many with scores under 700 who were able to get approved for Amex cards. All depends on how the rest of your file looks.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 10
Established Contributor

Re: What is the lowest FICO score required for American Has

Yes I got my amex recently with a 673 score now Im at 803

Message 3 of 10
New Contributor

Re: What is the lowest FICO score required for American Has


Trin wrote:

Has anyone heard of someone getting an American Express card with a FICO score less than 700?


Has anyone heard of American Express offering low (under 10%) APR for purchases or cash advances without transfer fees? No! Terms & Conditions matter more than accessibility to a brand card.

Message 4 of 10
Senior Contributor

Re: What is the lowest FICO score required for American Has


Benton wrote:

Trin wrote:

Has anyone heard of someone getting an American Express card with a FICO score less than 700?


Has anyone heard of American Express offering low (under 10%) APR for purchases or cash advances without transfer fees? No! Terms & Conditions matter more than accessibility to a brand card.


Not everyone is looking for low APR and cash advances.  Amex has good customer service, good CLI policies, and many of their cards have good rewards.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 5 of 10
Valued Contributor

Re: What is the lowest FICO score required for American Has

Agreed.  My first AMEX will be a charge card, so I don't care about balance transfer or APR.

 

OP, check www.whogavemecredit.com for details on what scores and what bureaus people got approved at.  From what I've seen scores matter less than derogs (to a point obviously).  Someone with scores ranging from 650-690 may not have an issue.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 6 of 10
Valued Contributor

Re: What is the lowest FICO score required for American Has

Amex Zync and Amex Delta Gold approved w/ upper 650s

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 7 of 10
New Contributor

Re: What is the lowest FICO score required for American Has

Approved for Amex Gold on 10/28.   BK7 in 2005.  No baddies since.

 

EQ 658 on 10/31.  Amex pulled Experian, last known score was 677 on 8/11.

Message 8 of 10
Established Contributor

Re: What is the lowest FICO score required for American Has

if you get lucky you can get one as low as 620 in some cases, all depends but remembe Fico score is unjustifiably violatile.

 

If you have a 800 score one 30 day late payment can hurt 130 points and take 3-4 years to recover, while a 690 would hurt for 90-100 points and tae 9 months to recover, the better the credit the higher the fall. So if you have a very good report with only a couple small mistakes more than 2 years ago anyone would be dumb not to take you as long as it's unpaid collections or charge offs which Amex really hates.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 10
Frequent Contributor

Re: What is the lowest FICO score required for American Has

I don't know what my score was when they approved the Zync 2 years ago because they don't give the score for a charge card approval. But, I was approved for the BCE with a 687 Fico EX score. I was probably around 660-670 at the time I got the Zync.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 10 of 10