I am shocked that I even got approved
Credit Karma recommended this card to me and I thought to myself "Amex would never extend credit to me" but I was wrong. In 2010 I lost my job, depleted my savings, and destroyed my credit. However, now I have a good paying job, emergency savings up to 6 months, and I have somewhat recovered from my credit mess. My Experian is at a 634 FICO, Equifax is at 622 FICO, and Transunion is also 634 FICO (these are actual FICO scores not the estimates you get from Credit Karma). My credit consists of a paid judgement, 4 unpaid collections from 2010 (due to fall off this year), 3 chargeoff accounts from 2010, 6 credit cards in good standing and over 2 years old average, 4 paid unsecured loans in good standing, 1 open auto loan in good standing, 2 student loans currently in good standing but delinquent in 2010, 20 credit inquiries almost 2 years old now (yes 20...I know I know), 2 turtle doves, and a partridge in a pear tree......As you can see, my credit is not all that great and I expected to get a denial or a message saying they would review my application and get back to me within 7 to 10 days, but instead I got an instant approval. I was only approved for a $1,000 credit line and $750.00 balance transfer but, as promised, the card came with 0% purchases and balance transfers for 1 year. So if you think your score is too low and your credit might be too crappy for Amex to approve you, compare it to mine and try it.
Other points I didn't mention above are:
- Total credit limit on all currently open cards: $15,000
- Total balance on all open cards: $1,050
- Auto loan original balance: $12,653 | Current balance: $7234
- Student loan original balances: 1) $3,500 and 2) $2,000 | Current balance: 1) $1,200 and 2) $500
- Annual income $50,000
- Average age of accounts 3 years
- Total age of credit history 8 years
So far no complaints. Hope this helps.
Amex is the worst credit cart ever they can cancel your cart for no reason I had it for 6 year they cancel it for no reason and now they calling me to had another one but it is not going to happen
What's a credit cart?
For no reason? Right.
Solid. Great App
I got approved for 1000 with an 620 FICO to a credit Karma BS 745 TU, etc....
but they use Experian. My Experian is wa higher. So
I then applied for their platinum card and got approved mbecaus I do a lot of traveling.
Great card. Be smart pay on time and realize Credit Karmas numbers are not real. They are inflated by 50 to 200 points.
They are estimates.
Oh they're real...very real, and a very good tool if used correctly. They're just from a different scoring model is all.
Criminal Blackmail Dont Get It
Have had this card for 3yrs, never late once on anything, never any issues, credit report has only improved, income has gone up....Got an email saying my credit limit was reduced by 75%, got on their chat, was given a number to call in the morning, called and the person gave me the wrong number....Called number on back of card, was eventually told if I pay $800 in 6 days they will raise my limit back up in around 30 days.... I was told that it was because no new purchases had been made recently with the card....How is dinging my credit going to make me say "sure you hurt me I will give you more money" I could see if I had been late once, and was near my credit limit, sure thats a red flag to them, but this was pure blackmail and I dont play that so I canceled the account entirely.
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I have a credit score of 685 and have worked very hard for this. Credit Karma claimed I had a VERY GOOD chance of obtaining this card. NOT! Thank you for nothing really except lowering my score because of this!
this card sucks
Any changes to your credit and
amex changes your card totaly I haven't had a card with them in over 20 years and will make it another 20 with out them.
They pull EXp 730, EquiF 650. Approve 5K
Good credit line with fair credit. Customer Representatives are excellent!!
Great card 0% tranfer and points
Credit limit won't be that high at first but have patience
Did your limit increase on its own or did you have to request it?
Liberal Credit Limits/Mediocre rewards
This cards is ok. It has no annual fees which is good and AMEX is very liberal with their credit limits however it just doesnt cut it when it comes to points. Its hard to gain and even harder to redeem not even to mention the fact that the dollar amount for redemption is nothing compared to CSP and discover. I just use it so my card stays active because it has my highest limit.
Yah, it's no secret that Amex point redemption doesn't hold a candle to Chase's Ultimate Rewards Portal. Like you, though, my Amex card is my highest limit card. :)
I have this card I love this card that have many ways to earn rewards customer service is awesome you can also get a loan with them if you need extra money at a very low interest rate this is one of my favorite cards never had a problem with it they do not hit you with a bunch of fees they have a lot of great opportunities and offers through their Bank absolutely love my card and the personal loan that I got with them helped me out a whole lot to time of need with a very low monthly pay back thank you American Express you're a great company and I would refer anyone and everyone to get this card I got my approval odds through Credit Karma which I also love Credit Karma
Amex rules. Got a limit increase from $7k to $15k...instant approval! No strings, no BS. I shoulda waited and gotten my personal loan from them, but live & learn.
Approved after BR13
Great card. Great customer sevice. First card approved for 2 days after chapter 13 discharge. $1k CL. Time will tell how CLIs go Been paying off all charges monthly.
The BEST CC I have
I have chase cap one abs bank of Avery a rewards but none compare to my amex they increased limit frequently and thier customer service is the best , it has been excepted everywhere I've tried it