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Why not AMEX?!

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907grown
Established Contributor

Why not AMEX?!

Ive had the green card since January. I have used it monthly and paid as agreed. I have a reasonable score for AMEX BCE, but when I applied they SHUT ME DOWN!!

Thankfully it's a soft with them, but I don't even want the green and it's getting the ax before the AF this year even if I can't score a revolver. 

The only thing I can think of is that I have a bunch (like 8) paid collections from '11 and 12. I do have one unpaid collection which I don't intend to pay. 

I bought a house, got some great cards including AMEX green with these collections, but cannot get that AMEX revolver.

any hope?



Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 1 of 4
3 REPLIES 3
ojefferyo
Valued Contributor

Re: Why not AMEX?!


@907grown wrote:

Ive had the green card since January. I have used it monthly and paid as agreed. I have a reasonable score for AMEX BCE, but when I applied they SHUT ME DOWN!!

Thankfully it's a soft with them, but I don't even want the green and it's getting the ax before the AF this year even if I can't score a revolver. 

The only thing I can think of is that I have a bunch (like 8) paid collections from '11 and 12. I do have one unpaid collection which I don't intend to pay. 

I bought a house, got some great cards including AMEX green with these collections, but cannot get that AMEX revolver.

any hope?


I would get the EX score above 700 then apply again, the BCE and BCP have a higher and tougher guideline. However some have gotten it with scores similiar to yours though.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 2 of 4
Anonymous
Not applicable

Re: Why not AMEX?!

The underwriting criteria for Amex revolvers is more stringent than it is for the charge cards. Many people get a charge but get denied for revolvers. All you can do is wait it out.

Message 3 of 4
CreditCuriosity
Moderator Emeritus

Re: Why not AMEX?!

Funny I couldnt' get the green at one point but could get the revolvers aka delta initially, never tried after that card for a charge cardSmiley Happy.. Sure I probably could get a charge card now, but prefer the revolvers and don't feel like a CC with AF from Amex anymore.   They are weird sometimes!

Message 4 of 4
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