AMEX...easy approval?

Boris666

Hi,

I have a Capital One card with £650 limit....now I want a card with more limit atleast £4k so one of my friends told me AMEX card has the highest approval rate....and also the decision is given quickly. Is that so? cause I always thought AMEX cards were a bit high end?

Thanks,
Boris

M_Thomson

Boris666 wrote:

Hi,

I have a Capital One card with £650 limit....now I want a card with more limit atleast £4k so one of my friends told me AMEX card has the highest approval rate....and also the decision is given quickly. Is that so? cause I always thought AMEX cards were a bit high end?

Thanks,
Boris

If you don't have an Amex card already, the decision will usually take around 4 weeks. Amex have a stricter criteria than most cards.

trevor_john

Well i have over the last few months applied to and in this order :

Halifax..............Declined
Nationwide .......Declined
Natwest............Declined

Amex................Approved.(48 hours)

How the hell did that happen ?

K9cuddles

I must admit Egg declined me.....but Amex offered me £4.5k. I had a lot of credit movement in a short amount of time too. I have had a Captial Once cc.. was under 1k.

softmind82

trevor_john wrote:

Well i have over the last few months applied to and in this order :

Halifax..............Declined
Nationwide .......Declined
Natwest............Declined

Amex................Approved.(48 hours)

How the hell did that happen ?

could you please tell which card did u apply for is that platanuim or nector or some thing else . and does they accept people who have less then 20,000 annual income.

Cheers

softmind82

K9cuddles wrote:

I must admit Egg declined me.....but Amex offered me £4.5k. I had a lot of credit movement in a short amount of time too. I have had a Captial Once cc.. was under 1k.

ould you please tell which card did u apply for is that platanuim or nector or some thing else . and does they accept people who have annual income less then 20,000 .

Cheers

trevor_john

Amex BMW card for me.

K9cuddles

softmind82 wrote:

ould you please tell which card did u apply for is that platanuim or nector or some thing else . and does they accept people who have annual income less then 20,000 .

Cheers

Nectar.. and yes I'm under 20k salary.

Bisoy

I have to admit that I used to be loyal customer with Amex more than 3 years now not until they decided to reduce their cash back offer beginning 1st of October. I am planning to keep it open until my anniversary then close it unless they make a competitive offer again. Then it will be my egg money as my main cash back card.

Cheers

chalky_bertie

Very good rates from AMEX. Just recieved a £10k limit from them for my BA Amex Card. Only ever had a Nectar card from them which I closed after 1 spend so I could collect the points from them but the BA card is for the Miles to collect. If I spend £15k I will also get a free ticket on BA for a companion.

msaquib

chalky_bertie wrote:

Very good rates from AMEX. Just recieved a £10k limit from them for my BA Amex Card. Only ever had a Nectar card from them which I closed after 1 spend so I could collect the points from them but the BA card is for the Miles to collect. If I spend £15k I will also get a free ticket on BA for a companion.

I have just applied for an American Express Card. Anyone know if they credit check you straight away online and how long does it for an decision?

Thanks SM