Amex has it's own scoring system. FICO scores only play a part of the application process for them. They have a very 'spend centric' business model so things like employment, income and assets are more important than usual in the application process. That's why you may see people with FICO scores less than 700 getting approved for charge cards. Also the risk is less for a charge card because they must be pif each month. They start eveyone out with smaller initial internal limits for the first few months to make sure you pay your bills. If it doesn't work out then they close your account and turn you over to collections, if it does then Amex has likely gotten a long term customer.
“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
