I was approved for this card four months ago with a KC score of 730, almost 2 years of history, $60k income, perfect payment history and pay off cards each month. My initial credit line was $2,000, which is a bit low if you're trying to stay below 20% utilization, but I just used it for groceries and gas starting out. AmEx has higher standards than most card issuers, and I was just glad to get approved with a short history. I have two other cards with $5k limits and used those for most other purchases. Last week, I called to request a credit limit increase (possible after 60 days of getting the card) and used the automated system to request a new CL of $6,000. Five seconds later it was approved for triple my previous limit! Hint: when requesting a CLI, shoot high but not too high. If it's too low, you'll get approved but stuck with a lower limit than you could have got. If you shoot too high, you're out of luck anyway. I'm not expecting double or triple the next time around! I'll be using this card much more often now that I have a decent CL. My only complaint is that sometimes (especially with gas purchases), AmEx will put a large hold on your card until the purchase clears ($125 hold for a $55 gas purchase). Not horrible, but kind of annoying.
Another thing I like about this card is the social media deals. I've synced my card with Facebook and Twitter and have already gotten some of the great deals offered ($5 free at Redbox and $5 off of $10 spent at McD's!). Hard to beat good deals like that by just being an AmEx user.
Quick note: please don't review cards based solely on whether you were approved or not. Being denied doesn't necessarily make it a bad card, and being approved for a high CL doesn't necessarily make it a great card. Use the card for a while and then leave an informed review. Thanks!
Good card
Applied with a 684 Fico score, $50k income a year. And was approved for $2k. Made payments on time and a couple extra payments. And got credit limit increases to $6k 5 months later.
Ok card
Approved on 693 , i made 5k a month and i dont know why i only approved for $1000.
But they also apprpved w the everyday card for $500
What was your utilization on your other credit cards when you applied? I have heard that this could be a factor.
Kig of cards
This card is the best card I have the customer service is very nice ,I applyed for it I got approved in second with$ 6000, very nice ,6 months later I got 6000 more even better
5 years Post Bankruptcy Approval
I had an American Express in the early 2000's. I ran into some bad luck and did a settlement for less. The account was closed (2005). I try avoid doing bankruptcy and managed to go couple years without doing it. In 2012 my Chapter 7 was finally filed and discharged. I didn't include the American Express in the bankuptcy since it was closed in 2005. In November 2015 I got my first caredit card post bankuptcy. It was a Capital One Platnium. Capital One gave me another card shortly after. I applied for a American Express Credit Card in 2015 and it said that I was denied because of my Bankruptcy record. Fast Forward to June 2017, I applied for the American Express and this time I was approved. My EXP Fico score was 705. That's what they used. My Transunuion Fico is 734, I now have a total of 5 credit cards. I pay my balance off each month and my utilization is always within 1-2%. This American Express card gave me a $10,000 limit which is fine. If I have to do a big purchase this cards gives me plenty utilization to use without affecting my score. Currently I have about $20,000 in total credit aviliable. I been paying off my credit cards balance every month since I got my first post bankruptcy credit card which was like 18 months ago. Seems like I'm doing everthing right and I expect it to stay that way.
I went into large detail because I know there's a large debate about if you could get an American Express post Bankruptcy or not, My Chapter 7 Discharged is only 5 years old. Also, I don't have a mortgage nor auto loan. Just thought to throw it out there. I guess it comes down to circumstances. In my case it was good that I did a settlement back in 2005 with American Express instead of including it on the Bankruptcy couple years after. Now that I have this American Express Credit Card, I could be more selective. I don't care for Chase or Citi. Happy, Happy, Happy
Approved with fair credit
Didn't think I would get approved for an Amex, but needed to increase my overall credit limit for a large purchase so i gave it a shot. CK said i had good approval odds. My Income is $50k, FICO is 660, and was approved for $500. It's a low limit, but better than being denied.
Other than this card, I have 2 Capital One credit cards and the Chase Freedom Unlimited card for a total credit line of $2,350
How much you make and a credit score of 660 have norhing to do with their decision,. This is where people are wrong, lenders look for other things such as ; FICO score ( NOT CK scores ), credit history, old accounts, closed accounts, credit inquiries just to name a few. Also, 50,000 is nothing, cant even rent an apartment.
Admittedly, I now have a very good score; averaging 790. I've had only one credit card over the past 10 years. Prior to that, I closed two other cards when I decided to go back to school. About six weeks ago I paid off one of my two student loans, so I decided to apply for this Amex card. I applied online and approval took less than a minute; with a $10,000 limit and $250 signup bonus. I'll update after I've used the card for 3-4 months.
Quick approval
Admittedly, I now have a very good score; averaging 790. I've had only one credit card over the past 10 years. Prior to that, I closed two other cards when I decided to go back to school. About six weeks ago I paid off one of my two student loans, so I decided to apply for this Amex card. I applied online and approval took less than a minute; with a $10,000 limit and $250 signup bonus. I'll update after I've used the card for 3-4 months.
Quick approval
Admittedly, I now have a very good score; averaging 790. I've had only one credit card over the past 10 years. Prior to that, I closed two other cards when I decided to go back to school. About six weeks ago I paid off one of my two student loans, so I decided to apply for this Amex card. I applied online and approval took less than a minute; with a $10,000 limit and $250 signup bonus. I'll update after I've used the card for 3-4 months.
Quick approval
Admittedly, I now have a very good score; averaging 790. I've had only one credit card over the past 10 years. Prior to that, I closed two other cards when I decided to go back to school. About six weeks ago I paid off one of my two student loans, so I decided to apply for this Amex card. I applied online and approval took less than a minute; with a $10,000 limit and $250 signup bonus. I'll update after I've used the card for 3-4 months.
For the fourth time!
It is impossible to make payments.
I am somebody who likes to pay off a credit card the day I use it. American Express refuses to allow you to do this easily. You have to call them and get special permission or wait until it's due so that they can get a fee out of you.
I'm not sure why you are having trouble. Like you I don't carry balances and pay my cards off when I get my paycheck. I have had no issue making a payment online with AmEx before the due date. I have the same card as you do.
Have you tried contacting AmEx to figure out what the problem may be? I always pay before the due online and have never had an issue.
I think with American Express, after your first billing statement cuts, you should be able to make payments as soon as you use the card. But before that you would need to call in to make payments in advance.
I have this card and the AMEX EveryDay card and I don't have a problem paying my balances early. Admittedly, it does take about two business days for the purchase to finalize and how in the online balance (not pending anymore) but if I am not mistaken, that is about the same with all credit cards...even my debit card purchases remain pending for about a day or two before the bank can do anything with those (like if I wanted to dispute a charge). You surely don't have to wait until the end of the billing period but give it an extra day or two and you'll be fine.
It seems like the problem is you, stop being a cry baby and just be grateful that at least you have the card. Smh