very easy to apply and get approved
My Credit was 520 no credit cards since 2000. i just strated building credit about 9 months ago, put 500 secured credit card with bamk of america, 3moths later I aplied for capital one, 1 month later i papplied for discover, a month after that i applied for both amrtican express the blue and clear one and got approved for all of them. thank you jesus :) AND one of the american express blue one is for 1000 credit and the clear one is at 6000. discover only gave me 1000. I now have 8500.00 woth of credit.. NOTE: I only use them to establish credit and never go over 10% of their total credit limit, I pay on time and make more than one payment per month per account. I hope this encourages you to get inspired to build your credit and it doest take long but it's not overnight either
Great cash back card out there! Wish it had a $0 intro and than the $95 there after!!!
Instant Approval
Approved instantly with $4000 limit.
American Express seems to only pull your credit from Expeiran. I only have 1 active credit card accounts on my profile a $2000 credit with a balnace of $244. I would encourage you to wait until your utilization rate is 10% or less to throughly increase your score and your chances for approval.
Scores: TU: 738 / EQ: 735
fast and quick
amazing , i can get approve with $1000 , with my credit around 670. and i also had approved for the everyday american aexpress , the silver one.
loved to have em, but you must pay them full. recommende.
Hi SR you're approved the same day?? Or not??
Approved
Approved with a 702 CK for $2000 CL. I have a $4500 C1, $4000 Chase and $2700 Discover so I imagine with time this CL will increase. Great card and first time Amex owner.
Ask for a CLI in 61 days 3x your limit.
I heard they don't make you wait 61 days for a credit increase
Good card with 0% for 12 months
I had this card but closed account. I did not get the perks and I did not read close enough there is an annual few of $95 every year. Be careful I went with blue cash everyday card no fee and good so far. Will see if I get the perks this time!!! If not I'll close account.
It can take a month or two for them to show up. Call and talk to them...
No fees for active duty military
Get the perks for free. The interest rate is pretty bad though.
Approved with CK score 627-Fair odds
I've been working really hard on building my credit. I have Capital One card with a $300 CL. CK recommended this Amex BCP credit card and I applied on a whim with much faith. Amex said they would have to look further into my application, the very next day a customer service rep called to verify my info with my bank. Once all information was confirmed, I was approved for 5K CL. How awesome is that? I've alway's wanted a AMEX card and to finally have one now is just AMAZING. All this to say, please DO NOT get discouraged when your app is not approved instantly. Just apply, let them verify and I'm sure you will get approved. Good Luck!
Approved with CK score 627
I've been working really hard on building my credit. I have Capital One card with a $300 CL. CK recommended this Amex BCP credit card and I applied on a whim with much faith. Amex said they would have to look further into my application, the very next day a customer service rep called to verify my info with my bank. Once all information was confirmed, I was approved for 5K CL. How awesome is that? I've alway's wanted a AMEX card and to finally have one now is just AMAZING. All this to say, please DO NOT get discouraged when your app is not approved instantly. Just apply, let them verify and I'm sure you will get approved. Good Luck!
High rewards rate!
After working for a couple months to get a negative account off my account, that was not mine, I applied for this card with a 727 MyFico score, NO missed payments ever, oldest account 2 yr 8 mos old (closed) and the youngest 3 months old. 9% Credit utilization. Got approved for 2,000. I wanted to get 5,000, but I can get that in 61 days after I activating it, and get 6,000 (3x), than triple that. ;) I make about 35k a year this is my first credit card that's not a store card. (Home Depot $500, Macy's $1,000, and Mattress Firm account, 5,000 CL)
Poor Rewards and Credit Line
This Amex card does not compare to similar cards through Chase. The rewards can only be redeemed in $25 increments. Not a huge deal, but rather annoying considering its the only perk of this card.
Finding merchants that accept AmEx, even in Houston, is a struggle. Most mom and pop stores can't pay the exorbiant Amex transaction fees. I get much better acceptance with Discover.
$10K Limit on Barclays, $12k limit with Capital One, $5k limit with Discover. Utilization <3% AmEx granted a whopping $2 k limit. Not worth the credit hit.
The deal breaker was the way Amex handled a dispute on my account; the merchant lied multiple times, but continued to dispute the charge back. Amex finally gave up, even after I submitted many pages of documentation, and recharged by account. Definitely not the AmEx service your father would have received...
I'm sorry you had this experience with them. It was the same for me...I bought a faulty, subpar leather couch (fantastic leather ,awful fill that sunk everywhere the first 10 days, from Jeniffer leather no less), and all Amex did was try to play a broker for repairs...merchant kept up with lies and they alllllllways take their side! Screw them! I never had a dispute before and have a credit score of over 800. Didn't matter.