topic Re: AMEX Approval Score? in Credit Cards

AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 05:12:42 GMT

Can you usually get approved for an AMEX ED and Chargecard with a 650-680 credit score?

Working on improving my score and ideally I'd like to get the AMEX.

Re: AMEX Approval Score?

-Cal- — Mon, 18 Aug 2014 05:17:21 GMT

I know someone who was approved and Amex said their EX FICO score was 676. Also, google "whogavemecredit" and "credit pulls database" to see some anecdotal results.

Good luck!

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 05:20:34 GMT

I probably won't be applying until December for the AMEX.

I was just curious and thanks.

Re: AMEX Approval Score?

MT936 — Mon, 18 Aug 2014 13:47:04 GMT

Yes charge card should be easy credit card there is a good chance

Re: AMEX Approval Score?

DawgZ — Mon, 18 Aug 2014 13:51:00 GMT

I was approved last week with 664. I would say the score is a minimum of 660.

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 13:54:45 GMT

I have heard that the charge cards are easier to get than the revolvers and even chatted with an Amex Rep when I was in the process of applying for my Amex card and was told by the rep that the Green charge card was the easiest to get. My scores at the time were 660's on EQ and TU and 708 on EX. I went against his advice and went ahead and applied for the revolver Amex Everyday and got it, but i'm sure it was a lot due to the fact that they pull EX and that happened to be my highest score. Point being though that the rep said I had a really good chance of almost certainly getting the green card with a score in the mid 600's so I'd say you're good to go on that, but of course as always YMMV

Re: AMEX Approval Score?

mongstradamus — Mon, 18 Aug 2014 13:56:01 GMT

If i recall when i applied for BCP, stupidly i may add, I had an score in the 670ish range. I say stupidly because my credit wasn't quite ready to apply for an card like that. I should have been patient and waited.

Re: AMEX Approval Score?

chalupaman — Mon, 18 Aug 2014 14:02:20 GMT

I got approved for all my Amex stuff with my Experian FICO score being in the late 600s range. It's a 689 right now and was a 695 not too long ago. Anyway, I got my foot into Amex not by applying for a charge card but one of their revolvers which was one of their Delta Skymiles cards and two months later going for a charge card and another revolver which was the EveryDay card I had wanted to get originally. It's been said that all of their charge cards have similar underwriting criteria and the biggest differences are how much of an annual fee you're going to pay as well as the different benefits and rewards those cards come with.

Re: AMEX Approval Score?

AvadaKedavra — Mon, 18 Aug 2014 15:20:35 GMT

I was approved last week for Amex Green and EveryDay with an EX of about 665 with a AAoA of 2 years, under 10% overally utilization and, a few new accounts and a couple of lates on a student loan from 2010. My stats were about the same 30 days prior and I was denied then...so I don't really get it but I'm not complaining!

Re: AMEX Approval Score?

ezdoesit — Mon, 18 Aug 2014 16:37:52 GMT

The only problem with applying when you score is not great is that the APR that will be offered will not be ideal if you are a person that tends to carry balances. Depending on the CCC getting them to lower your initial APR can be impossible with out reapplying and getting another card.

I would tell someone in that situation that is better to wait until their score improves and that it would better for them in the long run to be patient.

Re: AMEX Approval Score?

mongstradamus — Mon, 18 Aug 2014 16:56:51 GMT

@ezdoesit wrote:
The only problem with applying when you score is not great is that the APR that will be offered will not be ideal if you are a person that tends to carry balances. Depending on the CCC getting them to lower your initial APR can be impossible with out reapplying and getting another card.

I would tell someone in that situation that is better to wait until their score improves and that it would better for them in the long run to be patient.

I agree for the most part, its not as bad with amex as other CCC because you can at least get 3x cli few times an year, but in general i would wait till you can clean up your report and get your scores up around 700 .

Re: AMEX Approval Score?

sccredit — Mon, 18 Aug 2014 19:31:50 GMT

Above 650 should get you any of the charge cards

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 22:34:21 GMT

Is it safe to say that American Express looks at Experian?

Re: AMEX Approval Score?

AvadaKedavra — Mon, 18 Aug 2014 22:43:37 GMT

@Anonymous wrote:
Is it safe to say that American Express looks at Experian?

Yes AMEX pulls EX in most cases.

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 22:58:04 GMT

so, I should get up to a 660 and then app for AMEX from the way it sounds.

Is it best to apply for the Charge Card and the regular card or how is it best to do it when I get there?

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 23:13:06 GMT

I was declined with a 653 for a charge card and revolving card.

Re: AMEX Approval Score?

AvadaKedavra — Mon, 18 Aug 2014 23:16:21 GMT

@Anonymous wrote:
so, I should get up to a 660 and then app for AMEX from the way it sounds.

Is it best to apply for the Charge Card and the regular card or how is it best to do it when I get there?

When I applied I app'd Green card first (doesn't matter which charge card you app for, they all have same critera...just a matter of which you want to pay an AF on and which would benefit you more) then after approval I immediately app'd for the EveryDay and was approved also. Both the same pull.

There's no official word that charge card is easier than say the Delta Sky Miles revolver, but many seem to think so.

Re: AMEX Approval Score?

Anonymous — Mon, 18 Aug 2014 23:19:24 GMT

son was approved for gold delta at 655 only reason hes score is low is because of balances

Re: AMEX Approval Score?

taxi818 — Tue, 19 Aug 2014 01:32:12 GMT

I agree 660 or higher should do it. but there are some things you need to do for sure.

im sure you heard the before. but best for amex.

Pay all cards down to 0 except 1.

And keep that utilization as low as possible.

They don't like to see lots of balances on different cards.

Then You are almost guaranteed. Depending on baddies if any.

I am in same boat as you.Waiting until Dec.

Right now my ex is 680 but i have dispute on file with experian. old charge off.

What is strange is transunion and equifax removed right away. Experian is taking their time

Expecting score to jump well over 50 ppoints like other scores did.

Which will be over 700.

And wait to dec. will have 5 inquiries over a year old. will give me boost.

Then here i come Amex.

Sorry for long post. but Good Luck.

Re: AMEX Approval Score?

taxi818 — Tue, 19 Aug 2014 01:36:42 GMT

nrivas7 wrote

I was declined with a 653 for a charge card and revolving card

Really need to be over 665 to have honest good chance.

Not hard from 653 to 665 to raise score.

Just get that utilization down. and score wil get bumped.