topic Re: American Express in Credit Cards

American Express

Anonymous — Sun, 05 Apr 2009 20:48:09 GMT

Hi,

What is AMEX min FICO score to apply ?

Thanks

Re: American Express

Red1Blue — Sun, 05 Apr 2009 21:41:59 GMT

You can find information at www.whogavecredit.com

Re: American Express

fused — Sun, 05 Apr 2009 21:48:55 GMT

Amex almost always pulls EX, and since nearly all of us do not have access to this score, this question is more difficult to answer than it was in the past.

Re: American Express

Anonymous — Sun, 05 Apr 2009 22:09:12 GMT

@fused wrote:
Amex almost always pulls EX, and since nearly all of us do not have access to this score, this question is more difficult to answer than it was in the past.

They pull EX.

Re: American Express

score_building — Sun, 05 Apr 2009 22:34:35 GMT

EX and Amex are like two peas in a pod. when i hear of them pulling others it is usually in addition to EX. they appear to have a demonstrable preference for EX which in general we no longer have access to.

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:16:23 GMT

The last time I apped for an Amex card I had EX frozen. They called me and asked me which report I wanted them to pull. I told them EQ and was approved immediately. Whatever you do, the Delta card and the Green and Gold charge cards are the easiest to get approved for. If you want a Blue or the like app for Delta and then convert.

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:21:37 GMT

Hi Thanks guys, however what do you all think about score wise?

Thanks

Re: American Express

smalldede — Mon, 06 Apr 2009 00:26:11 GMT

I think the Amex Green is the one easiest to approve for today.

As I know Fico 670+ should be safe to get the card.

Good Luck

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:32:18 GMT

Amex uses their own internal score method as well as Fico. I've seen 580's get a Delta then convert it to Blue cash. I've seen 680's get denied. Fico isn't everything.

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:33:55 GMT

Sounds good, thanks !

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:36:01 GMT

Hi,

Internal scoring system? Do you mean that they might base it approval, or denial on what they physically see in the report? as well as the FICO ?

Thank you

Re: American Express

Anonymous — Mon, 06 Apr 2009 00:39:53 GMT

I doubt that they will physically look at your report unless you end up requesting a recon. The data fields will be run through the Amex algorithm as well as Fico's to come up with an approval or decline.

Re: American Express

Anonymous — Mon, 06 Apr 2009 01:10:42 GMT

Hi,

Oi cee, thanks alot !

Re: American Express

haulingthescoreup — Mon, 06 Apr 2009 02:30:21 GMT

Almost every CCC has some sort of internal score algorithm, where they evaluate what's on your report. So some won't touch you with a BK, others if you have too many lates, etc., regardless of your FICO scores.

If there are any banks left that loan solely on the basis of FICO's, they're fools.

Re: American Express

Anonymous — Mon, 06 Apr 2009 15:33:14 GMT

AMEX usually pull EX and to get approve your score must be over 700. I was approved for an account with a score of 743 at the time I applied..

Re: American Express

Anonymous — Mon, 06 Apr 2009 15:34:33 GMT

-------------------------------------------------------------

Yes you are right, Citibank is one of them..

Message Edited by CreditCard101 on 04-06-2009 08:34 AM

Re: American Express

Anonymous — Mon, 06 Apr 2009 16:26:07 GMT

Hi,

Thanks! this helped alot.