AMEX...easy approval?

cheeky-virgin

cheeky-virgin wrote:

Just a quick question Regarding Amex i have a barclaycard which i am using since june this year and after that i applied for nationwide credit card and been rejected ,i am earning 18000, plus , so need quick suggestion that is that right time to apply for the Amex card or should i wait more ?

Thanks

if the suggestion is yes then what card i go for by amex

brendang_2

can someone explain a bit more about AMEX because i've just looked at the Who uses Who i.e credit ref agencies and there is no mention of who AMEX use,do they give a decision online or do they verify you by documents etc.,thanks

M_Thomson

brendang wrote:

can someone explain a bit more about AMEX because i've just looked at the Who uses Who i.e credit ref agencies and there is no mention of who AMEX use,do they give a decision online or do they verify you by documents etc.,thanks

From recolection, I think they check both equifax and experian. They don't give you an instant decision. They will verify you using the voters roll and the credit reference agencies. If you are not on the voters roll, they may ask you to send proof of address in.

richessex

are they any good if you've had credit problems in the past

Boris666

Yesh Yesh......Its true
I applied for the AMEX card monday morning and just checked with them.......I HAVE BEEN ACCEPTED........with a credit limit of £2.6K:beer:

decision in 48hrs....Im impressed and soo Happy:j

msaquib

Boris666 wrote:

Yesh Yesh......Its true
I applied for the AMEX card monday morning and just checked with them.......I HAVE BEEN ACCEPTED........with a credit limit of £2.6K:beer:

decision in 48hrs....Im impressed and soo Happy:j

What card did you applied for?

Neutrino_2

Hello guys/girls,
I have applied for Amex Red as well. Haven’t heard anything yet. I am 18 so that might be a slight problem. Still wishing for the best.

Gemmzie

Are their earning limits on Amex cards? I know Egg said no to under £10k

Neutrino_2

For most Amex cards a 20K earning limit applies. There Are some Amex cards which dont have any earning limits.

Weggy

I may be missing the point here, but what's so good about having one of these AMEX cards? There's no 0% offer that I can see, the standard APR isnt anything spectacular, and (as far as I know) Amex still isnt accepted everywhere - certainly not as much as Visa and Mastercard........

Could someone shed any light on this?!