topic Re: Why not AMEX?! in Credit Card Applications

Why not AMEX?!

907grown — Tue, 18 Aug 2015 19:04:58 GMT

Ive had the green card since January. I have used it monthly and paid as agreed. I have a reasonable score for AMEX BCE, but when I applied they SHUT ME DOWN!!

Thankfully it's a soft with them, but I don't even want the green and it's getting the ax before the AF this year even if I can't score a revolver.

The only thing I can think of is that I have a bunch (like 8) paid collections from '11 and 12. I do have one unpaid collection which I don't intend to pay.

I bought a house, got some great cards including AMEX green with these collections, but cannot get that AMEX revolver.

any hope?

Re: Why not AMEX?!

ojefferyo — Tue, 18 Aug 2015 19:07:33 GMT

@907grown wrote:
Ive had the green card since January. I have used it monthly and paid as agreed. I have a reasonable score for AMEX BCE, but when I applied they SHUT ME DOWN!!
Thankfully it's a soft with them, but I don't even want the green and it's getting the ax before the AF this year even if I can't score a revolver.
The only thing I can think of is that I have a bunch (like 8) paid collections from '11 and 12. I do have one unpaid collection which I don't intend to pay.
I bought a house, got some great cards including AMEX green with these collections, but cannot get that AMEX revolver.
any hope?

I would get the EX score above 700 then apply again, the BCE and BCP have a higher and tougher guideline. However some have gotten it with scores similiar to yours though.

Re: Why not AMEX?!

Anonymous — Tue, 18 Aug 2015 19:09:01 GMT

The underwriting criteria for Amex revolvers is more stringent than it is for the charge cards. Many people get a charge but get denied for revolvers. All you can do is wait it out.

Re: Why not AMEX?!

CreditCuriosity — Tue, 18 Aug 2015 19:11:40 GMT

Funny I couldnt' get the green at one point but could get the revolvers aka delta initially, never tried after that card for a charge card.. Sure I probably could get a charge card now, but prefer the revolvers and don't feel like a CC with AF from Amex anymore. They are weird sometimes!