topic AMEX in Credit Cards

AMEX

eddymvp — Fri, 28 Mar 2008 17:20:56 GMT

What score do I need to get approve and where do they pull from?

Message Edited by eddymvp on 03-28-2008 01:20 PM

Re: AMEX

Anonymous — Fri, 28 Mar 2008 17:23:18 GMT

They normally pull EX and it depends on what card you are looking into?

Re: AMEX

MidnightVoice — Fri, 28 Mar 2008 17:23:39 GMT

Real or fake Amex?

They pull EX usually

Re: AMEX

Anonymous — Fri, 28 Mar 2008 17:24:58 GMT

eddymvp wrote:
What score do I need to get approve and where do they pull from?

Message Edited by eddymvp on 03-28-2008 01:20 PM

Depends on which card, as underwriting standards are different for each of them.

The easiest cards to get from them are the Green Charge Card and the Gold Delta Skymiles Credit Card. You should be able to get either of them with EX 620s or so, no baddies in at least the last two years, no BK reporting, and no history of defaulting with Amex.

YMMV.

Re: AMEX

eddymvp — Fri, 28 Mar 2008 17:36:27 GMT

My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

Re: AMEX

Anonymous — Fri, 28 Mar 2008 17:42:34 GMT

eddymvp wrote:
My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

For Amex, EX is likely the only score that matters.

I've seen approvals in that range for the two cards I mentioned above, but plenty of denials, as well. It could go either way, IMO, although if I had to guess I would say you probably wouldn't get it. Sorry.

Re: AMEX

eddymvp — Fri, 28 Mar 2008 17:44:02 GMT

@Anonymous wrote:

@eddymvp wrote:
My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

For Amex, EX is likely the only score that matters.

I've seen approvals in that range for the two cards I mentioned above, but plenty of denials, as well. It could go either way, IMO, although if I had to guess I would say you probably wouldn't get it. Sorry.

I don't think I will get it either, so I will wait until my score go higher.

Re: AMEX

Anonymous — Fri, 28 Mar 2008 19:27:13 GMT

I was in the 620-630 range when I got my card and they gave me a 8k limit. I would say give it a shot, that's the only way to really know.

Re: AMEX

unknown_entity — Sat, 29 Mar 2008 00:57:20 GMT

Which AMEX did you get with those scores?

Re: AMEX

Anonymous — Sat, 29 Mar 2008 14:44:57 GMT

@unknown_entity wrote:
Which AMEX did you get with those scores?

I got the gold delta, but did the product change to Blue.

Re: AMEX

Anonymous — Tue, 13 May 2008 03:42:19 GMT

i approved for green

Message Edited by reywattanabbe on 05-12-2008 08:42 PM

Re: AMEX

smallfry — Mon, 12 May 2008 22:27:20 GMT

@Anonymous wrote:
I am not sure, but i got approved for amex green without any score, my credit report blank, i do not have account, im new in to credit, i just suprised they approved me

Congrats. No report no score? Very slick. Use the card in good health.

Re: AMEX

ktbzzz — Mon, 12 May 2008 22:51:49 GMT

I got the AMEX Gold Preferred Rewards with a 718~ about 4 months ago. Applied for AMEX Clear a few days ago & got accepted today. My current score is 750~

Re: AMEX

Anonymous — Mon, 12 May 2008 22:55:59 GMT

@ktbzzz wrote:
I got the AMEX Gold Preferred Rewards with a 718~ about 4 months ago. Applied for AMEX Clear a few days ago & got accepted today. My current score is 750~

What CL did you get on the Clear? I was only given 2k, which is by far my lowest limit. I have a Green and a Blue also, with the Blue at $8900.

Re: AMEX

heirophant — Tue, 13 May 2008 00:39:02 GMT

@Anonymous wrote:

@unknown_entity wrote:
Which AMEX did you get with those scores?

I got the gold delta, but did the product change to Blue.

How long did you wait to do product change? What reason did you give them for the product change?

Re: AMEX

ktbzzz — Tue, 13 May 2008 01:03:41 GMT

I have no clue. Since I was approved after the 24 hour message, all I know is that I'm approved. I don't really want to bother them with a call, they might slap me with an F/R lol.

Re: AMEX

Anonymous — Tue, 13 May 2008 16:42:04 GMT

@heirophant wrote:

@Anonymous wrote:

@unknown_entity wrote:
Which AMEX did you get with those scores?

I got the gold delta, but did the product change to Blue.
How long did you wait to do product change? What reason did you give them for the product change?

I'm pretty sure I did it at activation. The first time I asked they told me it couldnt be done, but I called back and the next person said they would do it.

Re: AMEX

Anonymous — Thu, 15 May 2008 16:41:01 GMT

So no chance on a low tier Skymiles card with a past BK?

Re: AMEX

Anonymous — Thu, 15 May 2008 17:35:56 GMT

Cuz we really just want the miles, not so much the AMEX

Re: AMEX

rom828 — Fri, 16 May 2008 14:42:49 GMT

IMHO, I'd app for the Sky Miles and see what happens, if the inq won't hurt you too badly.

I may be completely off base with that advice, but when I was 'waffling' on to 'apply or not apply' back in April, I turned to this forum for advice.....and of course got advice to 'apply' and 'don't apply'! LOL I finally took the advice of the 'apply' side because as was pointed out , the worse that happens is 1 inq and a 'no'.

I made up my mind to try for the Green. At the time I applied, my EX was 687, (which Amex pulls) but I do have a paid tax lien (paid in 04) and a paid C/O from 05.

Citi had already denied me based on these, (contributing I'm sure, to my app shyness!) but they also pull EQ and it was my lowest score at 663.

Anyway, nervously sat in from of my computer and hit submit on Amex for the Green card and got the "Congrats" message, which gave me the courage to 'go for the Gold'. I apped for it and almost had a heart attack when the congrats message came up and advised I was approved with $7500 CL.

I feverishly began posting on this forum to see if I should try for the Blue, waffled on that for a few days, and then went for it 3 days after the other 2 approvals. Got the 24 hour message and was a wreck!! But lo and behold, I was approved with a $3100 CL!!

We don't fly a lot (we barely travel at all, sad to say) , but I applied for the Sky Miles after reading it was the easiest to get. When the Sky and Blue came in, I just called customer service, and had $6500 of the Skymiles CL moved to the Blue, which finally gives me one card with a fairly high CL. And Amex is great about letting you move lines around as desired, so I can always change it later.

I'm certainly no expert at this, and just about everything I know about this 'stuff' I've learned from this forum, but since my experience with Amex was so favorable, I'd encourage you to try.

And please post your results!!