Question About Amex

[Berk]

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@Anonymous wrote:

Adding you as an authorized user gives you an "in" and also allows you to generate a FICO score sooner.  For example, I added my 17 yr old daughter as an authorized user on my Amex PRG (I also gave her a card but she's never used it).  She will be at college by the time she turns 18, but she's already generating FICO scores so she could apply for her own card at 18 if she wants to.

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Yep. Made a friend of mine an AU on my Plat since we travel alot together. She is in the rebuilding phase of her credit. About 6 months later she apped for one of the new Amex cards and was approved - only a $500 CL but, hey, its a start for her. This is her first Amex.

[ratchada]

Remember there are always variables besides age of credit and FICO score that they take into account. I was recently approved for an ED by Amex with only a TU/EQ of 636, and no EX yet at all, with one card previously to my name (Cap One Quicksilver One with a $300 limit), and that card only being 5 months old. What saved me is my income (77k); they not only approved me but gave me a 5k limit.

[Caught750]

There have also been recent posts, while I don't remember specifics, of people without scores being approved by Amex. They may have been an AU or had high income and long term employment but still worth noting.

[Anonymous]

I got approved for 3 Amex cards within 7-8 months with very thin credit card history. Amex does love my dad though, they keep auto increasing his limit every couple months, big increases too. He had the BCP card for only about a year and a half, from $1000 to $20000 now. All of them auto CLIs, he never requested any. He Carries a high balance, and pays lot of interest lol. I think Amex likes that.