Do you have to be 21 to apply for a credit card from AmEx?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
Rory
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Postby Rory » Sun Mar 10, 2013 6:49 pm

VisaSpeak wrote:any reason behind the age requirement for over the phone


CARD act i think, not entirely sure. Weird fact, BofA wont allow college students more than 1 card
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:


jriley
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Postby jriley » Tue Mar 19, 2013 5:35 pm

I'm eighteen. And the phone issue deals with some messy parts of the Fair Credit Reporting Act and privacy standards in California, if I remember correctly...
Looking to maximize credit, for myself and others.

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Dman316
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Postby Dman316 » Sat Apr 13, 2013 10:40 am

Online: 18, Phone: 21. Reclusive46 is right.
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.

DieselRob
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Postby DieselRob » Thu May 09, 2013 6:33 pm

I was 21 when I got mine; that was just me waiting until I built up the appropriate credit profile.
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shhyfz
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Postby shhyfz » Fri May 10, 2013 11:24 am

got mine platinum when i was 19

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FastSRT8
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Postby FastSRT8 » Fri May 10, 2013 12:06 pm

Probably not but your chances of approval would be less I assume.
Carpe diem quam minimum credula postero!

Bksuper
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Postby Bksuper » Fri May 10, 2013 4:34 pm

FastSRT8 wrote:Probably not but your chances of approval would be less I assume.

I'm not quite sure about this, independent of the fact that the older you are, the more credit history you have, statistically you earn more and have accumulated more assets. Some issuers gave credit cards with predatory rates, bad terms, no rewards, etc. to extremely high risk customers (new 18 yos with no credit, no income, and no assets) and the CARD act prevents them from doing that by requiring income or a cosigner or 21+ years old. However, amex never approved the kind of subprime customers the act deals with anyway. You always had to have credit history and income to get an amex.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

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FastSRT8
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Postby FastSRT8 » Fri May 10, 2013 7:55 pm

Bksuper wrote:I'm not quite sure about this, independent of the fact that the older you are, the more credit history you have, statistically you earn more and have accumulated more assets. Some issuers gave credit cards with predatory rates, bad terms, no rewards, etc. to extremely high risk customers (new 18 yos with no credit, no income, and no assets) and the CARD act prevents them from doing that by requiring income or a cosigner or 21+ years old. However, amex never approved the kind of subprime customers the act deals with anyway. You always had to have credit history and income to get an amex.


Thanks for the clarification.
Carpe diem quam minimum credula postero!

tigerhunt2011
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Postby tigerhunt2011 » Sat May 11, 2013 5:50 pm

In my entire experience with American Express, age is just a number. The secret to getting good cards/acceptance is having a good relationship with them. I was made an Authorized User and given an "Additional Card" (in my name) on my father's Business Platinum account when I was 18. That established my relationship with AMEX in 2011, not to mention got me in on the top level (that's not centurion :p). At the same time, I opened a Secured B of A Visa from Bank of America to establish history. One year later of perfect payments on the BofA account and AMEX account, I applied (at age 19) and was approved for both the Premier Rewards Gold and Delta SkyMiles Gold. Last month (at age 20) I opened a Business Gold Delta SkyMiles card.

Everything I've heard leads me to believe I could apply for a new platinum account or upgrade my PRG with no problems, as long as it's one year+ after opening the PRG account because you have to wait 12 months to upgrade to a card with a higher fee.

Golden Rules of AMEX:
-pay thine bill on time
-pay thine bill in full


People are complaining alot about the AMEX Membership Rewards Programs, but across all cards, the Platinum, Gold, and Delta cards, the service is (still) outstanding. AMEX will fight FOR you, it's happened to me four times, on both the merchant and customer side.
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

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Z06Biker
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Postby Z06Biker » Sat May 11, 2013 5:53 pm

I agree. Service across all the different cards (I have the Business Plat, Business Costco, Business Simply Cash, SPG and BCE) is exceptional -- albeit, the BCE brings me to a foreign call center.

As for the MR Points, however, I am in the camp that says they have some catching up to do.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard



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