topic Anyone gotten personal Amex through Corporate Advantage offer? in Credit Cards

Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sat, 08 Jun 2019 22:55:40 GMT

I mentioned this in another topic but wanted to make a dedicated topic about this. I just read this topic https://ficoforums.myfico.com/t5/Credit-Cards/Guaranteed-approval-Amex/td-p/4867848 where someone with 467 fico score got approved for BCP with $10k limit through corporate advantage program.

The company I work for gives me a corporate Amex. I recently logged into that account and found a similar offer, something saying "in recognition of your corporate membership" You are invited to apply for a personal card. (it doesn't say I've pre-qualified though).
After putting my card number in it takes me to a page where I can apply for platinum, gold, BCP, etc. Here are some screenshots of the offers:

I'm wary of applying because I JUST got a Blue Cash Everyday with a $500 CL. However the Author of the post says his job told him that program is guaranteed approval.

Anybody else have experience with this?

Re: Anyone gotten personal Amex through Corporate Advantage offer?

KJinNC — Sat, 08 Jun 2019 22:42:15 GMT

No, I have a similar question, asked before, did not get enough info that I felt confident applying.

Someone did tell me that his friend's daughter with absolutely no credit applied after getting a corporate card, and had her choice of a few cards (don't remember which, but desirable ones).

Someone else advised me to check prequalification by using an incognito window to avoid my corporate-card cookies from getting in the way. When I try that, I still don't prequalify for anything.

I would love more data about this. My scores aren't that bad, but my credit is new and I have opened seven accounts in a little over two months, so I would not normally expect to be approved for an Amex. If I COULD get one now, I'd love to do so, so that it ages with my other new stuff rather than damaging my AAoA and AoYA down the road.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sat, 08 Jun 2019 22:48:55 GMT

@KJinNC wrote:
No, I have a similar question, asked before, did not get enough info that I felt confident applying.

Someone did tell me that his friend's daughter with absolutely no credit applied after getting a corporate card, and had her choice of a few cards (don't remember which, but desirable ones).

Someone else advised me to check prequalification by using an incognito window to avoid my corporate-card cookies from getting in the way. When I try that, I still don't prequalify for anything.

I would love more data about this. My scores aren't that bad, but my credit is new and I have opened seven accounts in a little over two months, so I would not normally expect to be approved for an Amex. If I COULD get one now, I'd love to do so, so that it ages with my other new stuff rather than damaging my AAoA and AoYA down the road.

In same boat as you, though I have a good Experian score (that's where they pull). Just that I have a bunch of recent inquiries, and just opened a BCE with AMEX, so Would not expect to be approved.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 19:18:24 GMT

@KJinNC wrote:
No, I have a similar question, asked before, did not get enough info that I felt confident applying.

Someone did tell me that his friend's daughter with absolutely no credit applied after getting a corporate card, and had her choice of a few cards (don't remember which, but desirable ones).

Someone else advised me to check prequalification by using an incognito window to avoid my corporate-card cookies from getting in the way. When I try that, I still don't prequalify for anything.

I would love more data about this. My scores aren't that bad, but my credit is new and I have opened seven accounts in a little over two months, so I would not normally expect to be approved for an Amex. If I COULD get one now, I'd love to do so, so that it ages with my other new stuff rather than damaging my AAoA and AoYA down the road.

Update: I just applied, and was instantly approved for the Gold! I was already on the phone with Amex about another matter, then asked about it, they said that they couldn't guarantee it, but that in the guy's personal experience, if an offer is extended, you are very likely to be approved no matter what. He invited me to apply over the phone but I decided to do it through the corporate membership portal and was instantly approved.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 19:32:33 GMT

Good for you! Now what else have you been up to for the past week?

Re: Anyone gotten personal Amex through Corporate Advantage offer?

KJinNC — Sun, 16 Jun 2019 20:02:39 GMT

Well, I decided to apply for a Gold Card, even though the only reason I would plausibly be approved is because I have a corporate card. I was rejected.

I checked the reasons for the denial online, and many of them seem incorrect. For example, it says:

"No recent record of bank or retail revolving accounts. (Experian)" - I have an Amazon Store Card and a My Jeweler Club card that are both on Experian.

"There are no credit card accounts on your credit report. (Experian)" - All of the cards in my signature show up on Experian.

It may really mean that I haven't had those accounts long enough for them to take seriously, which is fair enough (oldest account on Experian was opened April 2 2019), but that's not what the words say, so I am unsure if there could be an error of some sort.

The only thing I still want to add right now in the next 12 months is an Amex Gold (and some secured card graduations and maybe some CLIs), so, piling on another inquiry in a failed attempt to get an Amex Gold doesn't bother me the way it would most people in most situations. I won't get an adverse action with my secured cards or My Jeweler Club or anything.

But anyway, there's a datapoint that having an Amex corp card (it has my name on it but is paid by my company) does not guarantee approval for a personal Amex Gold.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 20:09:48 GMT

@KJinNC wrote:
Well, I decided to apply for a Gold Card, even though the only reason I would plausibly be approved is because I have a corporate card. I was rejected.

I checked the reasons for the denial online, and many of them seem incorrect. For example, it says:
"No recent record of bank or retail revolving accounts. (Experian)" - I have an Amazon Store Card and a My Jeweler Club card that are both on Experian.

"There are no credit card accounts on your credit report. (Experian)" - All of the cards in my signature show up on Experian.

It may really mean that I haven't had those accounts long enough for them to take seriously, which is fair enough (oldest account on Experian was opened April 2 2019), but that's not what the words say, so I am unsure if there could be an error of some sort.

The only thing I still want to add right now in the next 12 months is an Amex Gold (and some secured card graduations and maybe some CLIs), so, piling on another inquiry in a failed attempt to get an Amex Gold doesn't bother me the way it would most people in most situations. I won't get an adverse action with my secured cards or My Jeweler Club or anything.

But anyway, there's a datapoint that having an Amex corp card (it has my name on it but is paid by my company) does not guarantee approval for a personal Amex Gold.

Oh no I'm sorry to hear. But did you apply through the link your corporate account provided you? When I applied I first logged into my corporate account, went to the following link: https://www.americanexpress.com/us/credit-cards/gcpadvantage/login/?eep=36013&channel=myca and then applied. When you're logged into your coporate account you don't need to fill out the details they just pull up the offers and you select one.

Oddly, when I went to that link without being logged in, and entered my corporate card number manually, it said there were no offers for me.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 20:13:13 GMT

Seeing as you just got approved.... you won't see offers for a little bit until the system cycles through your new account.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 20:17:44 GMT

No I mean when I did this in the past. I saved the link and tried to pull up the offers again, but since I wasn't logged into my corporate account I had to enter my info manually. When I did it said there were no offers. So I logged in and returned to the link and the offers came up.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 20:24:33 GMT

Then that's similar to when you hit the pre-qual page before you have an account and get results. After you have an account you don't get results because you have an account and need to login and you're pre-approved for all of the cards already and just have to pick them and hit submit.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

KJinNC — Sun, 16 Jun 2019 20:33:41 GMT

No, I didn't use that link earlier. Wish I had, but I just used the standard one. I hoped it would know I have a corporate card via my SSN, since I had to use my SSN and do a credit inquiry to get my corporate card. I don't think all Amex corporate cards work that way, but my employer requires that. I guess I just cold-applied with no brownie points when I got denied.

I went ahead and re-applied when I saw your link, though I know I may likely not be able to apply again for a period of time. I figured it probably wouldn't hurt. I am in an unusual scenario as mentioned earlier in which I barely care about hard inquiries or credit-seeking behavior. I got a notice on the web site saying:

"Thanks, ______. We've received your application, but we can't give you a decision right now.

We'll process your application as soon as possible and send you a decision within 14 days.

While we're reviewing your application, please don't submit another application for the American Express® Gold Card."

I got an email with the same general idea in different wording:

"We are excited that you've decided to apply for the American Express Gold Card, and we're reviewing your application now. We promise to let you know when we're finished, or if we need more information.

While we're reviewing your application, please don't apply for another American Express Gold Card. Thank you for your interest in American Express."

Re: Anyone gotten personal Amex through Corporate Advantage offer?

Anonymous — Sun, 16 Jun 2019 20:38:44 GMT

This will probably trigger a cancelled status on the apps and a phone call from Amex to see if you want to move forward with one of the apps.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

KJinNC — Sun, 16 Jun 2019 20:41:45 GMT

If it matters, the first one was already rejected.

If Amex were to call, I would say some version of "I want to try the one tied to my existing corporate card."

If I'm rejected, so be it. I'll get it at some point in the next 6-12 months. But the sooner the better so it'll age with my other new accounts.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

NRB525 — Sun, 16 Jun 2019 21:08:22 GMT

Well, hopefully it works out. The thing to keep in mind about these offers, it includes an annual credit of $150 or $100 depending on card. But as with all AMEX applications, you have to go through the specific link that shows that SUB and annual fee credit. Hoping your corporate AMEX account will somehow link to your SSN on a personal card app? No, not happening.

I applied for the Platinum a few months ago, after running across these links. I had been waiting for a 100k MR offer, but that's a unicorn I will never see. The $150 annual AF credit plus 60k MR on SUB was good enough for me. I have a number of other AMEX cards, so wasn't concerned about approval.

Regarding your cold app for AMEX, if your oldest reporting account is April 2 (applied or reporting?) then it is quite likely AMEX had a SP on your account prior to that. Now that you have applied, and are starting to see cards show up on your bureau file, that should improve over the next few months as AMEX continues to SP your file. AMEX operates in many ways with SP data, and that is not always todays data.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

sammyfire2001 — Sun, 16 Jun 2019 22:27:32 GMT

This is how I got my Platinum, Gold and BCP cards.

Re: Anyone gotten personal Amex through Corporate Advantage offer?

UncleB — Mon, 17 Jun 2019 07:33:41 GMT

This thread is locked and closed to new messages.

The new thread can be found here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/AMEX-Gold-Approval/m-p/5650170