topic Re: AMEX Centurion- Score 680? in Credit Cards

AMEX Centurion- Score 680?

yudeology101 — Wed, 12 Feb 2014 21:09:01 GMT

Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

Re: AMEX Centurion- Score 680?

Anonymous — Wed, 12 Feb 2014 21:13:31 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

I think the approval criteria are much more based on wealth and spending than on credit score. Worrying about credit scores is for the little people!

Re: AMEX Centurion- Score 680?

bobebob — Wed, 12 Feb 2014 21:13:49 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

Wow, you must be flush. Those fees aren't "hefty" for me, they're highway robbery!

I don't know if I could justify the card even if I won the lottery. I don't think that the benefits over the platinum justify the increased price tag.

Re: AMEX Centurion- Score 680?

newUser0 — Wed, 12 Feb 2014 21:14:19 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

Wow!!

with $10K you can pay your CSP fees for like for 100 Years lol.

Re: AMEX Centurion- Score 680?

PlasticOrPlastic — Wed, 12 Feb 2014 21:19:12 GMT

Isn't that what used to be the "black" card? Assuming score doesn't matter if your income is 7 figures plus? 2500 a year fee ouch...

Edit: Just found this online (think whoever said they got approved with a 680 might be bluffing)

"In order to get the invite you need to charge $250,000 a year +, have assets totaling 16.3 million dollars as well as annual income of 1.3 million dollars or more, impeciable credit score over 800"

Dont think ill be seeing an invite for this card in my lifetime lol

Re: AMEX Centurion- Score 680?

Anonymous — Wed, 12 Feb 2014 21:19:00 GMT

Well the card has its benifits.

You know if you won the lottery you would get it. I think most people would get it. If you win BIG. I know I would get it.

The card open new doors for you. People treat you differently with the cards. Some one gave you some attitude at a shop show them that you have the card and they would most likely treat you differently.

Re: AMEX Centurion- Score 680?

gdale6 — Wed, 12 Feb 2014 21:22:40 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

LOL, I can tell you I would not waste 10K on a piece of plastic even if I could afford the fees, there are much better areas to plunk 10K down.

Re: AMEX Centurion- Score 680?

Anonymous — Wed, 12 Feb 2014 21:24:09 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

Amex can control their risk via low internal spending limits, and if people are willing to pay high fees anyway, then why not accept them?

Re: AMEX Centurion- Score 680?

yudeology101 — Wed, 12 Feb 2014 21:24:45 GMT

@bobebob wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
Wow, you must be flush. Those fees aren't "hefty" for me, they're highway robbery!
I don't know if I could justify the card even if I won the lottery. I don't think that the benefits over the platinum justify the increased price tag.

You're absolutely right, my words are incorrect- I should've used the word "insane" fees!

And I know that it's much more to than just the scores for the mid 660~680s scores to be approved, but I thought Centurion is by invitation only?

American Express Centurion

680

660

670

250000

02/11/14

Credit Card

Yes

250000

Applied for my third credit card..weak credit history. Approved instantly..No limit..But really they cap me at 250k

Just so that I understand clearly about Centurion though- I thought it was through Invitation only? Under the notes, it kinds seems like the member just applied like any other cards.

Re: AMEX Centurion- Score 680?

PlasticOrPlastic — Wed, 12 Feb 2014 21:24:59 GMT

@gdale6 wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
LOL, I can tell you I would not waste 10K on a piece of plastic even if I could afford the fees, there are much better areas to plunk 10K down.

gdale, totally worth it, its not plastic..anodized titanium ooh ah.

Re: AMEX Centurion- Score 680?

yudeology101 — Wed, 12 Feb 2014 21:27:41 GMT

@EndlessRoad wrote:
@gdale6 wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
LOL, I can tell you I would not waste 10K on a piece of plastic even if I could afford the fees, there are much better areas to plunk 10K down.
gdale, totally worth it, its not plastic..anodized titanium ooh ah.

Shoot, with $10k i'll buy myself an aluminum based metal box w/ wheels that will take me places...called a car.

Re: AMEX Centurion- Score 680?

NonSufficientFunds — Wed, 12 Feb 2014 22:02:43 GMT

@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.

I think the Black AmEx Centurion is a specialty product, that is not a part of the normal stable of offerings by the company.

I am aware that many high-profile celebrities now carry the card, and many of them are unlikely to have cultivated the credit score and history to qualify for high-end cards.

Such clients may be qualified, based more on their earnings, wealth, and spending power, rather than their personal credit scores.

It may also be true that AmEx issues the cards to such people, in order to capture the high status exposure that might otherwise go to a competitor's product.

Being Rich and Famous has it's privileges - which could include holding a fancy card, that one might not otherwise qualify for, with FICO scores alone.

Re: AMEX Centurion- Score 680?

Anonymous — Wed, 12 Feb 2014 23:04:22 GMT

Score matters less when you have cash.

Re: AMEX Centurion- Score 680?

Creditaddict — Wed, 12 Feb 2014 23:12:23 GMT

I don't think most that get invited and can get a Black Amex are logging themselves into Whogavemecredit to post about it!!!!

Re: AMEX Centurion- Score 680?

NonSufficientFunds — Wed, 12 Feb 2014 23:23:06 GMT

@Creditaddict wrote:
I don't think most that get invited and can get a Black Amex are logging themselves into Whogavemecredit to post about it!!!!

Absolutely Correct !! -

I also doubt that the type of people who actually qualify for the AmEx Centurion, are likely to associate themselves with the kind of people who would be terribly impressed by it.

Like the old saying goes: When you've truly arrived - you wont need to announce it.

Re: AMEX Centurion- Score 680?

TravellingNomad — Wed, 12 Feb 2014 23:23:45 GMT

wonder if they have a secured version of this card

Re: AMEX Centurion- Score 680?

-Wade- — Wed, 12 Feb 2014 23:32:46 GMT

@Anonymous wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
I think the approval criteria are much more based on wealth and spending than on credit score. Worrying about credit scores is for the little people!

I have to disagree with that statement Even the so called High Rollers need a pretty good score to get credit

Re: AMEX Centurion- Score 680?

Creditaddict — Wed, 12 Feb 2014 23:45:51 GMT

@Wade64 wrote:
@Anonymous wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
I think the approval criteria are much more based on wealth and spending than on credit score. Worrying about credit scores is for the little people!
I have to disagree with that statement Even the so called High Rollers need a pretty good score to get credit

over the years many financial people have talked about how a lot of time the rich and famous have TERRIBLE credit... sometimes by not even there own doing becasue so many of them use money managers that don't pay things on time and what not... I don't think that is a far stretched statement AT ALL.

I mean Toni Braxton did just finalize a supposed $50 MILLION BK 7 to turn around IN THE MONTH and buy ON MORTGAGE a 3.5? Million dollar house!!!

Bethenny Frankel just last week had a credit (financial someone on the show) and she herself said she had NO CLUE what her credit score was!

Re: AMEX Centurion- Score 680?

-Wade- — Wed, 12 Feb 2014 23:50:34 GMT

@Creditaddict wrote:
@Wade64 wrote:
@Anonymous wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
I think the approval criteria are much more based on wealth and spending than on credit score. Worrying about credit scores is for the little people!
I have to disagree with that statement Even the so called High Rollers need a pretty good score to get credit
over the years many financial people have talked about how a lot of time the rich and famous have TERRIBLE credit... sometimes by not even there own doing becasue so many of them use money managers that don't pay things on time and what not... I don't think that is a far stretched statement AT ALL.
I mean Toni Braxton did just finalize a supposed $50 MILLION BK 7 to turn around IN THE MONTH and buy ON MORTGAGE a 3.5? Million dollar house!!!
Bethenny Frankel just last week had a credit (financial someone on the show) and she herself said she had NO CLUE what her credit score was!

But everyone is not rich and famous !!!!! To me that statement was uncalled for........Just my 2 cents

Re: AMEX Centurion- Score 680?

Creditaddict — Wed, 12 Feb 2014 23:54:49 GMT

@Wade64 wrote:
@Creditaddict wrote:
@Wade64 wrote:
@Anonymous wrote:
@yudeology101 wrote:
Someone posted their approval with AMEX Centurion with the score of 680s (all across three CBs) on whogavemecredit, but wow...you can get approved with those scores? I would def. love to have one myself, but initiation fee of $7.5k + annual fee of $2.5k is pretty hefty for me.
I think the approval criteria are much more based on wealth and spending than on credit score. Worrying about credit scores is for the little people!
I have to disagree with that statement Even the so called High Rollers need a pretty good score to get credit
over the years many financial people have talked about how a lot of time the rich and famous have TERRIBLE credit... sometimes by not even there own doing becasue so many of them use money managers that don't pay things on time and what not... I don't think that is a far stretched statement AT ALL.
I mean Toni Braxton did just finalize a supposed $50 MILLION BK 7 to turn around IN THE MONTH and buy ON MORTGAGE a 3.5? Million dollar house!!!
Bethenny Frankel just last week had a credit (financial someone on the show) and she herself said she had NO CLUE what her credit score was!
But everyone is not rich and famous !!!!! To me that statement was uncalled for........Just my 2 cents

I took it as a joke and funny! (haha)