New !! Has Questions??

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Audiobahn
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New !! Has Questions??

Postby Audiobahn » Tue Apr 21, 2009 2:03 am

Hi Guys I am new here and I wanted to know what will it take for me to get an American Express Charge Card. I have just started building credit in November 2008. Right now I have a secured loan which is being overpaid ontime and a Secured Credit Card with zero balance. My EXPERIAN PLUS SCORE (NOT FICO) is 720. I was wondering when should I apply a card and what card should I apply for.
PS: is there a way i can get a AMEX card by paying a deposit.


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Cucumber
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Postby Cucumber » Thu Apr 23, 2009 4:11 am

Do you want an American Express charge card or a credit card?
OBAMA
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indianamom
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Postby indianamom » Thu Apr 23, 2009 5:06 pm

Well I don't know about that but I can tell you not to get the Bank of America American Express card. You don't want to touch anything attached to Bank of America with a ten foot poll.

Audiobahn
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Postby Audiobahn » Thu Apr 23, 2009 10:40 pm

Cucumber wrote:Do you want an American Express charge card or a credit card?


I'd prefer a Charge card although I am going to have to start somewhere with them.

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Cucumber
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Postby Cucumber » Mon Apr 27, 2009 3:36 am

Gold card is definitely the one to start with. Don't go with Amex Platinum until you know if the benefits are worth it.

Best Charge Cards

:D
OBAMA
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Audiobahn
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Postby Audiobahn » Wed Apr 29, 2009 11:45 pm

Cucumber wrote:Gold card is definitely the one to start with. Don't go with Amex Platinum until you know if the benefits are worth it.

Best Charge Cards

:D


Do you think I should apply now or wait? keeping in mind that my credit history started only in November 2008.

Audiobahn
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Postby Audiobahn » Wed May 13, 2009 11:51 pm

:money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money:

Do you think I should apply now or wait? keeping in mind that my credit history started only in November 2008.

:money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money: :money:

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fffresh
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Postby fffresh » Sun May 17, 2009 7:24 pm

November 2008 will be tough. You may be better off trying to first get a card through your bank or credit union, if you have one that you have been using for a while now. It will not be a high limit credit card, but you can quickly build up a $500 limit to $2000 or more within 18 months.

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Postby Floppster » Sat May 23, 2009 4:23 pm

Don't count on the EXPERIAN PLUS SCORE Model. Unfortunately it is quite inaccurate. A 720 Exp Plus Score should be the equivalent of 620 Fico. Due to the current financial situation I doubt that they'll approve you for any American Express Credit Card Product.
Intellectuals solve problems. Geniuses prevent them.
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Audiobahn
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Postby Audiobahn » Sun Jun 14, 2009 12:23 am

thanks guys



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