Amex Everyday minimum approval requirements

[TURNERHOOVER]

Amex Everyday minimum approval requirements 

[Anonymous]

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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Cousin24- What exactly is your question / What are you trying to say or ask?

[Anonymous]

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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A pulse and a SSN. Absolutely cannot get one without them

[Anonymous]

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@Anonymous wrote:

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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A pulse and a SSN. Absolutely cannot get one without them

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LOL.. Very funny but true.

[CreditDunce]

Amex uses an internal score.  You can't be sure of getting approved based on a FICO score.  However, my guess is over 700 EX-08 score.   If you have a good relationship with Amex or high income, the needed score may be lower.  If you have high utilization, the score needed may be higher.  YMMV

Amex also seems ot have been pushing the ED/EDP cards this year.  They might be willing to approve for the cards with slightly lower scores than the other revolvers (apart from the Delta revolver).

[Anonymous]

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@Anonymous wrote:

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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A pulse and a SSN. Absolutely cannot get one without them

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+1

[newhis]

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@Anonymous wrote:

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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A pulse and a SSN. Absolutely cannot get one without them

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I got PRG with ITIN. I hope I can get the ED in January.

[msbia]

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@CreditDunce wrote:

Amex uses an internal score.  You can't be sure of getting approved based on a FICO score.  However, my guess is over 700 EX-08 score.   If you have a good relationship with Amex or high income, the needed score may be lower.  If you have high utilization, the score needed may be higher.  YMMV

Amex also seems ot have been pushing the ED/EDP cards this year.  They might be willing to approve for the cards with slightly lower scores than the other revolvers (apart from the Delta revolver).

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My daughter is 23, has a hospital collection on her report and is mid 600s, She got approved for the ED on Saturday with a low $1k limit but approval none the less. Amex's internal scoring is all over the place. 

[taxi818]

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@yesi-ts-me wrote:

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@Anonymous wrote:

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@cousin24 wrote:

Amex Everyday minimum approval requirements 

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A pulse and a SSN. Absolutely cannot get one without them

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LOL.. Very funny but true.

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Some people got approved in the 630s. Which is great for the the credit challenged.

[CreditDunce]

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@msbia wrote:

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@CreditDunce wrote:

Amex uses an internal score.  You can't be sure of getting approved based on a FICO score.  However, my guess is over 700 EX-08 score.   If you have a good relationship with Amex or high income, the needed score may be lower.  If you have high utilization, the score needed may be higher.  YMMV

Amex also seems ot have been pushing the ED/EDP cards this year.  They might be willing to approve for the cards with slightly lower scores than the other revolvers (apart from the Delta revolver).

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My daughter is 23, has a hospital collection on her report and is mid 600s, She got approved for the ED on Saturday with a low $1k limit but approval none the less. Amex's internal scoring is all over the place. 

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It is just that FICO model doesn't necessarily match Amex's model.  Maybe Amex discounts medical collections.  In which case, your Daughter's Amex score could be higher than would be implied by her EX-08 score.   EX-08 is basically a FAKO score as far as Amex goes, but it is the closest we have to Amex's internal score.