Easiest Amex to get with no credit score ?? Update - Approved

[Shadowfactor]

I wasn’t aware the plain Hilton card had no FTF with No AF. That’s unusual with Amex.

[601flyguy]

Good info about the amex rental insurance. It only covers collision but they also offer a damage waiver that covers damage not caused by a collision. It's $15 per rental.

[Anonymous]

That was me posting about getting the AMEX PRG without FICO and only a three month US credit history. Wife got it too, and I am also pre-approved for the EveryDay and Magnet. Salary is high though so maybe that makes a difference. Also, BoA gave us credit cards with half decent ($1500 SL) right away when we moved over so our files were not empty.

Check out Cardmatch. Showing your interest there seems to set some wheels in motion. At least it did for me.

[Anonymous]

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@Anonymous wrote:
That was me posting about getting the AMEX PRG without FICO and only a three month US credit history. Wife got it too, and I am also pre-approved for the EveryDay and Magnet. Salary is high though so maybe that makes a difference. Also, BoA gave us credit cards with half decent ($1500 SL) right away when we moved over so our files were not empty.

Check out Cardmatch. Showing your interest there seems to set some wheels in motion. At least it did for me.

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I think Salary requirement that's where I fall short.

I do get roughly 50-55 K from my government sponsorship/parents. but those doesn't count as Salary.

[SBR249]

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@Anonymous wrote:

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@Anonymous wrote:
That was me posting about getting the AMEX PRG without FICO and only a three month US credit history. Wife got it too, and I am also pre-approved for the EveryDay and Magnet. Salary is high though so maybe that makes a difference. Also, BoA gave us credit cards with half decent ($1500 SL) right away when we moved over so our files were not empty.

Check out Cardmatch. Showing your interest there seems to set some wheels in motion. At least it did for me.

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I think Salary requirement that's where I fall short.

I do get roughly 50-55 K from my government sponsorship/parents. but those doesn't count as Salary.

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Depending on the lender, some will consider those sources as "income". Often there's a box you can fill in with other miscellaneous income sources that you have available to you. The main thing is if you have to show proof or documentation of said income but I believe bank statements may sometimes be sufficient. 

[The-Credit-Disciple]

So are you saying its not a good idea to pay in full every month on your cards? Should i always leave a minimal balance like $5 or so?

[Anonymous]

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@The-Credit-Disciple wrote:
So are you saying its not a good idea to pay in full every month on your cards? Should i always leave a minimal balance like $5 or so?

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Pay your statement balance in full always, to avoid paying interest.  Seriously, never pay interest -- particularly CC interest which is absurdly high.  If you need a credit score boost, don't pay off your entire balance before the statement hits, as then $0 will report which is not as good as a small amount reporting.  Keep your utilization reported on every card below 9%.

[Anonymous]

If you're maxing out your card every month, it is recommended to pay down your balance to just under 29% at the very least before the statement cuts. For utilization purposes, more is better. But if you want "use" reported to help build credit, leave a $100 balance and PIF by the due date to avoid interest charges. IMO $5 doesn't show anything, other than you can afford a Latte once a month. 

[Anonymous]

Update: I got app for Hilton honor Amex with 6000$ limit....... no idea how I got approved. I feel like its a system error or something

[Anonymous]

Congrats! That makes at least three data points that no score may be necessary. Glad to see Amex so welcoming of us new folks....