Re: PwC Amex Card

Anonymous · ‎03-18-2015

@taxi818 wrote:
No. Nothing negative. Just a simple question of understanding your situation in order to help. Now if you don't heed the sdvice up to you. Sure they will ask for your social and all but that is not same as applying with amex. But even AU needs social. Example. I can make friend au to get a amex. I still need their social. But they don't have to apply with amex. And will get w card.

This.

Anonymous · ‎03-18-2015

Thanks for the reply Rattler. My company allows reimbursements for special out of pocket expenses, but they prefer staff leverage the corp card for firm business.

Anonymous · ‎03-18-2015

Thanks michikade, I thought the same, but also heard similar stories of people being approved with credit worse than mine. Thanks for the good luck; I hope for an approval as well. I did speak with a colleague without sharing too many details and she mentioned having the corp card helped her get a personal amex later. So maybe all is not lost!

happypill · ‎03-18-2015

I've been with companies that have different ways of handling corporate cards.

My current company issues a Visa. I did not have to submit any sort of application or provide any sort of personal information. I think this is the type of "corporate card" many people are thinking about. Straight up company liability, so I guess I'm an AU. I also have the opportunity to use my personal card and keep the bonuses for myself. In both cases, I'd need to submit an expense report, but in the case of the personal card they'd issue a direct deposit back to me, while in the case of the corporate Visa they would just apply it to the balance. This is a Fortune 500 Company.

I worked for a different, even larger, Fortune 500 company in the past. They issued an Amex and you did have to fill out a personal credit application to get the card. This sounds like the system the OP is working under. I did hear of people denied because they had negative histories with Amex, but in general, I don't think that they denied people because of limited history or thin profiles. Basically, I think they approved everyone that wasn't on the Amex black list. In this case, I think the OP will be fine. These types of cards are regularly issued to people with zero or new credit profiles. The company that issued the Amex insisted that we use that for all expenses and got very testy if you submitted reimbursement to your personal cards.

Blurbz · ‎03-18-2015

At my large law firm, you have to submit an application as if it were for your own tradeline. If you're approved -- great! If not, the firm has the option of pulling strings and getting you the card anyway. I know a few people here who had thin files/negatives on their reports who received denials from Amex but who, nonetheless, received a corporate card because the firm told Amex to issue it. I assume that, if PWC wants you to have a card, they can and will get you a card regardless of whether Amex wants to issue it.

Anonymous · ‎03-18-2015

@Blurbz wrote:
At my large law firm, you have to submit an application as if it were for your own tradeline. If you're approved -- great! If not, the firm has the option of pulling strings and getting you the card anyway. I know a few people here who had thin files/negatives on their reports who received denials from Amex but who, nonetheless, received a corporate card because the firm told Amex to issue it. I assume that, if PWC wants you to have a card, they can and will get you a card regardless of whether Amex wants to issue it.

This is exactly how it works in many companies.

onstar · ‎03-18-2015

@Anonymous wrote:
@taxi818 wrote:
If it's your company. Card. You should not have to apply. What are yountalkingbabout. The hr dept just makes you authorized user on a corporate card. However if they want you to use your personal amex then reimburse you that's a different story. No way to help without knowing
1 fico scores. Experian for amex
negatives on report
and positive tl's
just a general profile. No specifics. Then can give better advice. Good luck.
This is not always true...at my company you have to apply and still meet some modicum of AMEX qualifications to get a corp AMEX card as they do not want a lot of people as AUs on the corp card. Truth be told, my company doesn't offer true AUs so there are a lot of Credit Card authorizations that have to be done for hotel stays since no one has a physical card. (But I also get your point about the personal AMEX and reimbursement)

Also to NRB525's point, I only wish that I had confidence that I could work with HR to get approved...LOL. I feel like they'd say oh well...nice try. But then again, we are allowed to use other personal cards for expense reporting so a corp AMEX isn't a must.

Anchor05 do they let you use other personal CCs to charge company items or is it mandatory that you go through AMEX for reimbursement/expense reporting purposes?

That's how it was at one of my previous companies. People wanting a Company Card had to apply for their own card, and all the Company Cards were tied to our Accounting. It was not an AU situation. I couldn't get credit (this was back in 2006-2007 when I had terrible credit), but neither could the COO. LOL. Well, the CFO stepped in and called the bank and got the COO approved somehow.

Anchor05: I would ask your HR exactly how your company does this. Ask them if it is a true credit application or if you are being added as an AU. Having to give your SSN and personal data alone does not indicate one or the other.

BK DC 4/9/2018
FICO 08 (4/9/2018): EQ 647 EX 609 TU 620
FICO 08 (01/27/2025): EQ 725 EX 736 TU 745

Anonymous · ‎03-18-2015

Thanks for all the feedback. I will speak with the team and find out exactly what kind of card this is. I just assumed pRoviding a SSN meant it was an application, but I know now that's not the case.

nkrishdtt · ‎03-18-2015

@Anonymous wrote:
Thanks for all the feedback. I will speak with the team and find out exactly what kind of card this is. I just assumed pRoviding a SSN meant it was an application, but I know now that's not the case.

@Anchor5 - I'll give you the specifics being ex-PwC and still working for a Big4. You WILL get approved as it's a PwC owned card. Amex does a soft pull for your application but this account never gets listed on your credit profile. They ask for SSN and other details so that if you default on the Corporate AMEX, they have a way to report your delinquency. I'd not worry if i were you. One of my ex-colleagues's credit was in the dumps when he joined the firm and he still got approved.