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  • FIRST POST
    • ForeverAwake
    • By ForeverAwake 21st Feb 17, 4:09 AM
    • 38Posts
    • 9Thanks
    ForeverAwake
    Amex eligibility checker
    • #1
    • 21st Feb 17, 4:09 AM
    Amex eligibility checker 21st Feb 17 at 4:09 AM
    Amex gave me a 9.5/10 chance of acceptance of all their cards, of course this gives me good confidence to apply.. (British airways)

    Then I got rejected.

    I haven't applied for any credit in last 6 months and never missed a payment on any credit agreements ever.

    Eligibility indicator seems pretty unreliable to me
Page 1
    • KILL BILL
    • By KILL BILL 21st Feb 17, 8:30 AM
    • 2,088 Posts
    • 1,285 Thanks
    KILL BILL
    • #2
    • 21st Feb 17, 8:30 AM
    • #2
    • 21st Feb 17, 8:30 AM
    Amex gave me a 9.5/10 chance of acceptance of all their cards, of course this gives me good confidence to apply.. (British airways)

    Then I got rejected.

    I haven't applied for any credit in last 6 months and never missed a payment on any credit agreements ever.

    Eligibility indicator seems pretty unreliable to me
    Originally posted by ForeverAwake

    U fit in the 0.5 which wont get it

    such is life
    • theburningcat
    • By theburningcat 21st Feb 17, 8:36 AM
    • 186 Posts
    • 52 Thanks
    theburningcat
    • #3
    • 21st Feb 17, 8:36 AM
    • #3
    • 21st Feb 17, 8:36 AM
    I have very strong doubts about the accuracy of those eligibility calculators. I would ignore that for now and focus on what you can do to make yourself more attractive to Amex over the next few months, then re-apply in 6-12 months.
    • TheEffect
    • By TheEffect 25th Feb 17, 1:30 PM
    • 2,234 Posts
    • 1,753 Thanks
    TheEffect
    • #4
    • 25th Feb 17, 1:30 PM
    • #4
    • 25th Feb 17, 1:30 PM
    I got 9/10 on the pre-check on AMEX's site for all their cards, applied for the BA card and was immediately accepted, even though I've had over-average amount of searches and new accounts opened in the last 3 months.

    I've found once you're a customer with AMEX and pay them off on time, you wont have much problem opening new accounts with them.

    • Jlawson118
    • By Jlawson118 25th Feb 17, 7:08 PM
    • 858 Posts
    • 113 Thanks
    Jlawson118
    • #5
    • 25th Feb 17, 7:08 PM
    • #5
    • 25th Feb 17, 7:08 PM
    Same thing happened to me a few weeks ago, AMEX's checker gave me a 85% chance of acceptance, and Money Supermarket's eligibility checker gave me 90%. Or visa-versa and then I was rejected
    • A4445
    • By A4445 25th Feb 17, 7:40 PM
    • 686 Posts
    • 316 Thanks
    A4445
    • #6
    • 25th Feb 17, 7:40 PM
    • #6
    • 25th Feb 17, 7:40 PM
    I had 80% chance of getting an Amex card and it was approved, it wasn't an instant accept it was referred.
    • WillPS
    • By WillPS 26th Feb 17, 12:06 AM
    • 219 Posts
    • 100 Thanks
    WillPS
    • #7
    • 26th Feb 17, 12:06 AM
    • #7
    • 26th Feb 17, 12:06 AM
    I think I only had 40% chance and I was accepted (18 months ago). To be totally honest I don't really think the eligibility checkers are particularly useful.
    • Anthorn
    • By Anthorn 26th Feb 17, 10:50 AM
    • 3,340 Posts
    • 874 Thanks
    Anthorn
    • #8
    • 26th Feb 17, 10:50 AM
    • #8
    • 26th Feb 17, 10:50 AM
    I already have an Amex credit card and green card but I went through the eligibility checker and got "9.5/10 You're VERY LIKELY to be approved" for all of the cards listed which looks to be all of the cards they offer. To get that I marked the rewards as "No Preference". What makes me suspicious is that I stated my annual income to be £8K.

    So what is VERY LIKELY is that the eligibility checker is only checking the credit history.

    I'm not tempted though, I like my green card although the credit card is overkill and destined for cancellation
    • Socrates14
    • By Socrates14 26th Feb 17, 12:21 PM
    • 1 Posts
    • 0 Thanks
    Socrates14
    • #9
    • 26th Feb 17, 12:21 PM
    • #9
    • 26th Feb 17, 12:21 PM
    I've just run the eligibility checker for Amex and scored 95%. I'm considering applying for the card mainly as I want to build credit (cashback is just a bonus). Opted for cashback card as I don't want to borrow money/don't need a balance transfer. I've never had a credit card before and at the moment have no credit / debt (other than mortgage). Are the Amex cashback cards good for building credit? I intend to pay it off in full each month...

    New here so apologies if I've posted in the wrong place or I'm derailing the original topic. Any advice appreciated - thanks.
    • Gazz90
    • By Gazz90 23rd Nov 17, 12:18 AM
    • 2 Posts
    • 0 Thanks
    Gazz90
    Hi everyone,

    If you have revived a 9.5 out of 10 rating on the eligibility checker then of course that’s a positive sign.

    They say they are only doing a soft check on your credit file to determine you eligibility. This is pretty much what they would go by as I have a friend who work for AMEX. It’s very common for them to then ask for proof of ID and address as they aren’t keen on using digital systems which can be positive but negative at the same time as it uses up your time sending documents over.

    If they have asked for proof of address and ID, providing you do send theses over, you are pretty much approved.

    You should receive an email which says

    “ Dear *******

    Thank you for your interest in American Express.

    We are pleased to tell you that your application is going through our final review. As part of this review, we require two documents from the list below in order to finalise your application”

    Providing your ID and proof of address is fine , you will receive the card you applied for, APR and rates may change depending on your individual circumstances.
    • WillPS
    • By WillPS 23rd Nov 17, 8:45 AM
    • 219 Posts
    • 100 Thanks
    WillPS
    Lazarus thread
    • starM
    • By starM 5th Jan 18, 8:22 PM
    • 1,312 Posts
    • 176 Thanks
    starM
    Hi, Once you have applied online and referred. How long did it took for a reply from American Express?
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