cancel
Showing results for 
Search instead for 
Did you mean: 

what is so good about an amex card?

Regular Contributor

what is so good about an amex card?

Hey guys I come on here and see all of this talk about amex cards.  What is so good about amex cards?  I am in the process of applying for a cc and would like to know which amex card would be good to apply for?  Thanks
Message 1 of 36
35 REPLIES
Regular Contributor

Re: what is so good about an amex card?

first off,...do you have a Bankruptcy on your report?
if yes: prepare to fight to get that Amex,..they hate BK's..
 
if no...then what's your scores?
i believe they pull Experian to judge
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 2 of 36
Established Contributor

Re: what is so good about an amex card?

You can compare their cards here:
 
 
9/18/08 TU=707 EQ=706 EX=702
Message 3 of 36
Moderator Emeritus

Re: what is so good about an amex card?



loloswims wrote:
Hey guys I come on here and see all of this talk about amex cards.  What is so good about amex cards?  I am in the process of applying for a cc and would like to know which amex card would be good to apply for?  Thanks


I like Amex for their rewards program and great customer service.  They pull mostly from EX and sometimes EQ.  Do you know your FICO EQ and EX scores?
Message 4 of 36
Valued Member

Re: what is so good about an amex card?

I am sure they pull EQ a lot..I got approved on the basis of EQ...
Message 5 of 36
Frequent Contributor

Re: what is so good about an amex card?

Do you need excellent credit to get an AM EX credit card?  I have tried several times even when my credit was good and could not get one.
 
Message 6 of 36
Established Contributor

Re: what is so good about an amex card?

what are scores? they are accepting some lower one these days and have been pulling EX lately
9/18/08 TU=707 EQ=706 EX=702
Message 7 of 36
Regular Contributor

Re: what is so good about an amex card?

for the delta skymiles amex,..i'd say 620+
and no BK..
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 8 of 36
Established Member

Re: what is so good about an amex card?

That's a great site! I'm learning so much in these forums! Being able to see what score you need for a specific credit cards is incredible!
Message 9 of 36
Frequent Contributor

Re: what is so good about an amex card?

My scores are in the mid to upper 500's with a BK from about 5 years ago.  Judgeing by what everyone is saying, I will probably have to wait 5 more years to have a chance.
Message 10 of 36