topic Re: AMEX in Credit Cards

AMEX

freeurmind — Sun, 24 Feb 2013 19:30:03 GMT

Does any one know what it takes to get approved for an American Express card?

Re: AMEX

boomhower — Sun, 24 Feb 2013 19:32:02 GMT

Depends on the card, revolvers are harder to get than charge cards. Generally mostly clean reports with no recent negs and low utility. They aren't much different than the other prime players.

Re: AMEX

freeurmind — Sun, 24 Feb 2013 19:46:02 GMT

What about a Green Amex Business Card? Do you Know?

Re: AMEX

webhopper — Sun, 24 Feb 2013 20:01:19 GMT

I think you may have a shot at the green card. Business or Personal, the criteria is about the same.

Just don't apply for Plum or any of their revolvers, you wouldn't be approved for those.

Re: AMEX

LS2982 — Sun, 24 Feb 2013 20:09:14 GMT

@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?

How does your EX file look??

-INQ's??

-Baddies??

-Accounts?

Re: AMEX

freeurmind — Mon, 25 Feb 2013 03:17:43 GMT

In the past 6 months I've had only 1 inquiry on my report. The only negative info on my credit report was 60 + days of late payments for two of my cards back in 2007. I've had a Upromise card for about 5 years now, which now is Barcalay Card, One Business Capital One card and recently the Discover IT card. Those are the only cards I have right now.

Re: AMEX

navigatethis12 — Mon, 25 Feb 2013 03:20:03 GMT

@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?

A pulse.

Re: AMEX

Anonymous — Mon, 25 Feb 2013 03:24:08 GMT

@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?

A pint of blood from a virgin.

Re: AMEX

Anonymous — Mon, 25 Feb 2013 07:10:27 GMT

@Anonymous wrote:
@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?
A pint of blood from a virgin.

Haha!

OP: I would apply for the Green Charge card and build relationship with American Express and then in about a year try for a Revolver if you'd like.

Re: AMEX

TrueGeminiNC — Sun, 24 Mar 2013 20:56:19 GMT

I was just approved for the American Express Green Card today with an Equifax score of 630 and TransUnion score of 629. A friend who works for AMEX suggested that AMEX looks at a lot of information when making its decision and the Green Card is the easiest card to get. Notably, my credit utilization is very low and my income is now relatively high. I am hoping this new account will help boost my credit score as I hope to purchase a home next year.

I also have a Citibank Secured Mastercard which expires 11/2013. I am hoping the addition of the AMEX card will prompt Citibank to graduate my account.

Lastly, I would say apply for the AMEX card and truly, I love these forums! By monitoring my credit via myFico.com and taking advantage of the advice here in the community forums, I have been able to succesfully rebuild my credit.

Re: AMEX

HiLine — Sun, 24 Mar 2013 21:08:25 GMT

@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?

Short answer: a decent credit history, some income, and an application.

Long answer: preferably a clean credit profile with 6 months of history and an income upward of $20k.

Re: AMEX

koalablue — Sun, 24 Mar 2013 22:19:45 GMT

I think you have a very good shot at a Green card. App away and please let us know how it turns out. Good luck!

Re: AMEX

armbenderc — Sun, 24 Mar 2013 23:34:19 GMT

@Anonymous wrote:
@freeurmind wrote:
Does any one know what it takes to get approved for an American Express card?
A pint of blood from a virgin.

Almost true.