American Express approval requirements?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
7 posts
hotboidrvsf150
Green Member
Green Member
 
Posts: 6
Joined: Sun Mar 06, 2011 8:15 pm
Location: Dallas Texas

American Express approval requirements?

Postby hotboidrvsf150 » Sun Mar 06, 2011 8:54 pm

What score did you have when you got approved for an Amex? I have a few other cards, all with nice credit lines. I also have a good credit history with a mid 700's score. Amex keeps declining me when I have no problem getting a chase card, BOA or discover. Are 800's the approval requirements? I have wanted an amex since I first began establishing credit.

Thanks for your help!


Smerri
Platinum Member
Platinum Member
 
Posts: 51
Joined: Mon Oct 11, 2010 7:29 am
Location: Massachusetts

Postby Smerri » Mon Mar 07, 2011 7:16 am

Are you applying for an AmEx charge card or credit card? The charge cards generally have less strict requirements as it is less of a risk for AmEx

ashleyAMX
Platinum Member
Platinum Member
 
Posts: 56
Joined: Sat Jan 22, 2011 2:39 pm
Location: Florida

Postby ashleyAMX » Mon Mar 07, 2011 8:20 am

hotboidrvsf150 wrote:Amex keeps declining me when I have no problem getting a chase card, BOA or discover. !


What card are you trying to get?

CCG
Centurion Member
Centurion Member
 
Posts: 151
Joined: Thu Apr 17, 2008 6:52 pm
Location: Austin, TX

Postby CCG » Mon Mar 07, 2011 11:02 am

You may find this post helpful which discusses estimates for approval requirements but please keep in mind these are estimates only:

Credit Score Needed For American Express

Good luck,
CreditCardGuru

Acquitted
Green Member
Green Member
 
Posts: 15
Joined: Wed Dec 01, 2010 8:34 am
Location: NJ

Postby Acquitted » Fri Mar 11, 2011 10:52 am

If you are being denied with a mid 700 score, you must be applying for a credit card. As stated earlier, charge cards are easier to obtain because there is less risk. I got a Amex charge card about a year ago (which I use for everything) and when I obtained it my score was high 600s.

User avatar
alsteig
Platinum Member
Platinum Member
 
Posts: 95
Joined: Sun May 23, 2010 5:28 pm
Location: San Diego, CA USA

Postby alsteig » Sat Mar 12, 2011 7:22 pm

Mid 700's you would be approved. Mid meaning, 750+ Pull a credit report. something on there is holding you back. Also you can request that they send you the denial reason. My guess is BK last 7 years?..... I got a blue cash in early 2010 w/ a 14k limit. My score at that time was 760, with little credit history.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Mon Mar 14, 2011 12:37 pm

alsteig wrote:Mid 700's you would be approved. Mid meaning, 750+ Pull a credit report. something on there is holding you back. Also you can request that they send you the denial reason. My guess is BK last 7 years?..... I got a blue cash in early 2010 w/ a 14k limit. My score at that time was 760, with little credit history.


Also, you can of course get a free credit report once a year. You can also get one free more often if you have been denied credit.



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests