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How to get on Amex Business radar?

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SouthJamaica
Mega Contributor

Re: How to get on Amex Business radar?


@jcooks wrote:

Last month I applied for the Amex Blue Business Plus but was denied due to not having a long relationship with Amex.  At the time of applying, I was only pre-approved for all the co-branded cards (Hilton/Marriott/Delta).  Now, I am currently pre-approved for all personal cards.  Not any business cards.  I don't currently have any business cards nor had one in the past.  How could I get Amex to notice me.  I feel like that guy at the bar trying to get that girl to notice me and I'm asking for pointers.


I don't believe the preapprovals show up on the site.

 

IMHO you should just go ahead and apply for the business card of your choosing; I believe you will be approved.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 682




Message 11 of 24
jcooks
Established Contributor

Re: How to get on Amex Business radar?


@SouthJamaica wrote:

@jcooks wrote:

Last month I applied for the Amex Blue Business Plus but was denied due to not having a long relationship with Amex.  At the time of applying, I was only pre-approved for all the co-branded cards (Hilton/Marriott/Delta).  Now, I am currently pre-approved for all personal cards.  Not any business cards.  I don't currently have any business cards nor had one in the past.  How could I get Amex to notice me.  I feel like that guy at the bar trying to get that girl to notice me and I'm asking for pointers.


I don't believe the preapprovals show up on the site.

 

IMHO you should just go ahead and apply for the business card of your choosing; I believe you will be approved.


I got the Amex Gold in March 16 instant approval (first Amex).  Applied to BBP 4/26 had to review ended up in denial due to not being an Amex customer for long.  When I did apply then, I was only preapproved for the cobranded cards and all the charge cards.  Now I'm preapproved for ALL personal cards.  I currently have to wait until 5/27 to try to reapply

Message 12 of 24
Anonymous
Not applicable

Re: How to get on Amex Business radar?

Most FI's like a good 3-6 month experience with a cardholder to get a feel for them before opening up the doors, so yes one month was likely way too early. I don't know what kind of action this new account saw during that month or the month after in order to now see pre-approval offers. I will say that it might only net you a low SL on your first revolver this soon after getting in the door, so I would say to wait it out the proper 3-4 months before going for it. Once they have more experience with you then apping for card 60 days apart shouldn't be as big an issue.

 

BIz card don't often have the pre-approval wording so it's a bit of an unknown versus personal, although in most cases if you're pre-approved for the Personal Delta cards then same usually goes for the BIZ versions etc.  

 

I had had my personal cards, ED, Gold, Delta for a little over a year before I forayed into a BIZ card with them.

 

 

 

Message 13 of 24
jcooks
Established Contributor

Re: How to get on Amex Business radar?

UPDATE 5/27

I apped this morning and got approved for the BBP!

Message 14 of 24
ntenseone
New Contributor

Re: How to get on Amex Business radar?


@jcooks wrote:

UPDATE 5/27

I apped this morning and got approved for the BBP!


Congrats, jcooks!

Question; did you need a D&B # for application?

FICO - 821 on 2/5/22
FICO 8 - 799 on 2/5/22
Vantage Score 3.0 - 816 on 3/2/22
Vantage Score 4.0 - 776 on 2/1/22
Message 15 of 24
jcooks
Established Contributor

Re: How to get on Amex Business radar?


@ntenseone wrote:

@jcooks wrote:

UPDATE 5/27

I apped this morning and got approved for the BBP!


Congrats, jcooks!

Question; did you need a D&B # for application?


No.  I was logged in so I got the short form.  Just asked for business name, income, business revenue and applied as a sole prop

Message 16 of 24
Red1Blue
Super Contributor

Re: How to get on Amex Business radar?

My suggestion if you dont have an Amex card then get one. Either personal or business. Once you get the card use it wisely for 3-6 months and then apply for business card. I think Amex Amazon Business Card is probably easier to get approved Amex business card with new Amex relationship.

Message 17 of 24
Anonymous
Not applicable

Re: How to get on Amex Business radar?


@jcooks wrote:

UPDATE 5/27

I apped this morning and got approved for the BBP!


Way to go J .... Congratulations!

 

She is dancing with you now! 

Message 18 of 24
jcooks
Established Contributor

Re: How to get on Amex Business radar?

 


@Anonymous wrote:

@jcooks wrote:

UPDATE 5/27

I apped this morning and got approved for the BBP!


Way to go J .... Congratulations!

 

She is dancing with you now! 


Already planning for the wedding.  Are you coming?

Message 19 of 24
Anonymous
Not applicable

Re: How to get on Amex Business radar?

If your profile is strong enough, you should have no problem, the reasoning sounds like your profile just isn't quite there yet, if the cobrands are all you had originally here's some dps from me

 

787 fico 8 in November prequal For all personal cards

 

no prior Amex history

 

applied for Amazon prime instantly approved for 3k , 3x cli in the minimum amount of time

 

early March applied for Hilton with an 818 approved instantly for 15k with a middle of the road interest rate SP


middle of may approved for Blue Business Plus 10k limit 814 ex SP

 

i had balances on other cards at the time of approval for the other two each time, in my experience if you treat Amex well and make large payments they roll out the carpet

 

the Amazon card is a great place to start it has weak underwriting because it's a cobrand and it offers something none of the other business cards do, an instant card number

 

i Had no preapprovals or prequalify for any other cards when I was approved for the others

 

i suggest you try for the Amazon, I bet you will get approved

Message 20 of 24
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