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What kind of Credit Score do you need to get approved fro an AMEX card?
Asked by
lazerbrains
6 months ago
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Generally, AMEX requires a higher score. 700+ for approval.
scamps218 6 months ago
Typically over 700, but keep in mind that if you're approved, and you take on more credit from other providers or increase utilization on any other accounts, thus lowering your score to the high 600s, AMEX may cancel your account out of the blue. This happened to us - we went back to AMEX earlier this year - had other credit cards but nearly 0% utilization. Then we used one of the $5000 revolving accounts that had a 0 balance to buy furniture on 0% interest for 2 years. The total expenditure was around $4600, leaving only $400 left and nearly 97% utilization on that card. Score went from 716 to 686 the next month, and when using our AMEX card at Costco - it was declined. Called AMEX and they said they cancelled the card due to a drop in credit rating. Apparently this is in the contract somewhere, so apparently AMEX only wants you to have their card with any balance - if you have others, they may dump you.
callmethedude 6 months ago
Not exactly true -- i have credit cards that are not AmEx that have balance (and sadly rpetty high) but sinc emy sredit score ius greater than 700, I pay my AmEx cards in full, they are happy. The problem is that the large charge dropped your score.
ladald 6 months ago