Trying to get an AMEX (in Australia)

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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fantasy86dj
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Trying to get an AMEX (in Australia)

Postby fantasy86dj » Fri Feb 17, 2012 12:20 am

Hello everyone,

I have tried to get the American Express Green Charge (The American Express Card| American Express Australia) but I got declined.

I have been looking at applying for (The Qantas American Express Discovery Card | American Express Australia) in another 6 months. But I want to get my foot in the door with a card issued by American Express.

I have a Commonwealth Bank Diamond Awards but its issued through a bank.

Which card do you all think is easier to apply for?

I know that one is a credit card and one is a charge card but I treat all my credit cards like charge cards so to me there is no difference to me.

Thanks!!


CC Deville
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Postby CC Deville » Fri Feb 17, 2012 4:51 pm

Sorry to hear about your denial. What reasons did they give you for the denial?

Unfortunately, as far as I know, this site is primarily for US customers, so I do not know if you will find your answers here.

Here in the US, the Amex charge cards (Green, Gold, Platinum) are easier to obtain than a "revolver" (i.e. a credit card like Blue or Australia's Qantas AMEX).

I would recommend looking at the reasons for your denied application for the Green card and see if anything has changed in your credit profile. If they denied you due to income, than you know that you will need to wait until you earn more. If they denied you for a late payment or having high balances than I would see if the late payment creditor will "goodwill" the late payment off. If you have high balances, you will need to pay those down before applying again.

Without knowing your specific reasons for denial or even what Australian credit standards are like, I cannot really give much advice. :eek:

fantasy86dj
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Postby fantasy86dj » Fri Feb 17, 2012 7:46 pm

They really did not give me a reason as to why my application was denied - it kinda did annoy me though. I am going to be ringing up AMEX on Monday morning (when I called yesterday I missed the department by an entire 4 minutes). My income is high enough and I always PIF each month across all card that I currently have.

Charge cards are not seen that often here in Australia but a lot of the places that I go to use AMEX. I guess I am going to have to wait until Monday then talk to the right department. I was hoping that there would be another Australian on here...

Thank you anyway :)

Au2Us
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Postby Au2Us » Sat Feb 25, 2012 7:34 pm

fantasy86dj wrote:They really did not give me a reason as to why my application was denied - it kinda did annoy me though. I am going to be ringing up AMEX on Monday morning (when I called yesterday I missed the department by an entire 4 minutes). My income is high enough and I always PIF each month across all card that I currently have.

Charge cards are not seen that often here in Australia but a lot of the places that I go to use AMEX. I guess I am going to have to wait until Monday then talk to the right department. I was hoping that there would be another Australian on here...

Thank you anyway :)


Here is one, however I am kind of in the same situation as you. I applied for an AMEX green in July to get my foot in the door and got declined because I didn't meet there minimum score requirements and because of my credit file.

The only thing I can think of is that I had an application for a GEM Visa that I put in a month prior and I completely forgot about it. My credit history is clean aside from any applications in the past. Also, I did enter the incorrect income details (It is annoying that the income fields for the charge-cards are different from the revolving cards) and I put in a total income which was $7,000 less than I was earning which set it too close to the minimum requirements. I called in to rectify this but the woman on the phone said changing it wouldn't make a difference, so I am certain that my credit file held me back.

I was told to wait 6-9 months before re-applying, so I am going to wait until July again and try again. I can now include an income increase of $12,000 - $13,000 on top of my base salary, so it shouldn't be an issue.

Also, how long have you been with your current employer? I have not been able to find out what there reuqirements usually are in that area. When I re-apply I will be at almost 4 years so I hope that works in my favour.

fantasy86dj
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Postby fantasy86dj » Sun Feb 26, 2012 1:27 pm

I have been with my current employer since May 2010. I ended up finding out why, too many enquiries so I am going to wait the 5 years for them to drop off. Hopefully by then I am earning more money and built up a stronger credit rating.



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