UK American Express Qualifications for 2013?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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American express 93
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UK American Express Qualifications for 2013?

Postby American express 93 » Thu Jul 25, 2013 3:56 pm

So im looking to get the UK version of american express platinum card or gold card. I am a student but household income is above £20,000 and I will probably easily spend £2,000 in a month. Do they offer over draft service? what else do they ask for? I can afford the fee as well. IS that it or is their more or something I have missed out in the small print


Reclusive46
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Postby Reclusive46 » Thu Jul 25, 2013 6:16 pm

How can a student have a £20,000 income and be able to spend £2000 in a month? I don't think you understand the concept either, its a charge card, you don't have an overdraft, you get a monthly bill at the end of the month that you either pay by direct debit or debit card. If you don't have any other credit products your also unlikely to be approved, Amex like to see atleast a year of solid good credit history
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

Midori
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Postby Midori » Thu Jul 25, 2013 9:22 pm

First thing that came to mind-- Micawber's Principle. :o)
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery."

Second thought-- those are cards that you pay-in-full each month, with an invisible non-preset spending limit. If you hit your invisible limit, then it will decline the charge. Do you already have other cards?

Third thought-- I'm genuinely curious; what makes a Platinum or a Gold card appealing to a student?

American express 93
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Postby American express 93 » Fri Jul 26, 2013 2:56 am

Reclusive46 wrote:How can a student have a £20,000 income and be able to spend £2000 in a month? I don't think you understand the concept either, its a charge card, you don't have an overdraft, you get a monthly bill at the end of the month that you either pay by direct debit or debit card. If you don't have any other credit products your also unlikely to be approved, Amex like to see atleast a year of solid good credit history


Firstly i thought it says household income and not just your income. Maybe I am being naive and that's why I posted here

American express 93
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Postby American express 93 » Fri Jul 26, 2013 2:59 am

Midori wrote:First thing that came to mind-- Micawber's Principle. :o)
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery."

Second thought-- those are cards that you pay-in-full each month, with an invisible non-preset spending limit. If you hit your invisible limit, then it will decline the charge. Do you already have other cards?

Third thought-- I'm genuinely curious; what makes a Platinum or a Gold card appealing to a student?


I have other cards but am willing to stop them and make this my primary account. I like the benefits it has regarding travel. You talk about non preset spending limit. Is that the same as overdraft!

Reclusive46
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Postby Reclusive46 » Fri Jul 26, 2013 5:41 am

Midori wrote:First thing that came to mind-- Micawber's Principle. :o)

Third thought-- I'm genuinely curious; what makes a Platinum or a Gold card appealing to a student?


Especially in the UK as the only real benefit to the Gold is X2 points on Petrol, very few students even drive here.
Amex UK Platinum Charge Card

Amex Blue Cash USA

Amex US Gold Corporate Card

World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

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Z06Biker
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Postby Z06Biker » Fri Jul 26, 2013 5:03 pm

Reclusive46 wrote:How can a student have a £20,000 income and be able to spend £2000 in a month? I don't think you understand the concept either, its a charge card, you don't have an overdraft, you get a monthly bill at the end of the month that you either pay by direct debit or debit card. If you don't have any other credit products your also unlikely to be approved, Amex like to see atleast a year of solid good credit history


Maybe s/he is getting help from the 'rents?

ie. http://finance.fortune.cnn.com/2013/07/26/the-rise-of-the-mooching-millennial/?iid=HP_LN
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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