Thread: Which AMEX could an immigrant qualify and get approved for?

Originally Posted by PlatinumAMEX94

Grupet, what are some of your demographics? Do you own a company? Make millions? Were you responsible and paid your bills on time with your secured card? How old/young are you? Did you have credit in your home country? And what country is that? Thanks.

And that is an awesome story!

Aaron

I came here from Denmark, and we don't have credit scores where I'm from.

I definitely don't make millions, not even close. I started out working freelance for my old company in Denmark, but after 1 year i got laid off... I started for my self doing what i did for the company in Denmark, but it's been tough. I make a living, but just barely. I do have money in the bank, but again, nothing fancy, but enough so I could live of for a year without any income. I'm in my early 40s.

I was very responsible and pay anything off in time (secure credit card, car payment and so on.) Never been late for any payment.

Um, thanks. I was giving Samudi advice, but if you got something out of it, than great.

If you were denied a Zync card you need to lay low for a while. The Clear card is a credit card or revolver and is harder to be approved for than a charge card like Zync. Zync is their easiest card to be approved for. I would say Gold Delta Skymiles is the easiest revolver.

What were Amex's reasons for the denial? Since you have First Premier and Credit One I can assume you are rebuilding and might have some negative info on your bureau. I would be sure to have at least a 630-650 EX FICO score and make sure any negative info is at least two years old before you apply. Some people have reported that they have been declined for a Zync with some negative info but AMEX offered them an offer to have a hard credit line of $200 or $500 with autopay. Within 6 months they usually take the hard credit line off and it becomes a NPSL.

Just to keep you updated:

I went with my GF to capital one to get their secured card, the representative over there said that she should get the Journey card for students. I asked him several times if he is sure she can get approved even though she has no history at all, and he "assured me she will".

Well, long story short, she wasn't.

I got pretty mad after that so I told her not to take their secured card. As I said on my first post, I don't like Capital One's CS...

Originally Posted by samudi

Just to keep you updated:

I went with my GF to capital one to get their secured card, the representative over there said that she should get the Journey card for students. I asked him several times if he is sure she can get approved even though she has no history at all, and he "assured me she will".

Well, long story short, she wasn't.

I got pretty mad after that so I told her not to take their secured card. As I said on my first post, I don't like Capital One's CS...

Yeah, don't waste your time with Capital One. I would really look into Citibank, BofA or PNC for a secured card. These are prime banks that will unsecure the card and at that point she should be able to upgrade to a better card with them.

Originally Posted by CC Deville

Yeah, don't waste your time with Capital One. I would really look into Citibank, BofA or PNC for a secured card. These are prime banks that will unsecure the card and at that point she should be able to upgrade to a better card with them.

Yes, just came back from BoA, got the secured card.
Thanks for the help.