how hard are american express cards to get????????

Phoenix79_2

thewinkshow wrote:

im sure when i read it,it says household income.id have to check,i wouldnt have applied otherwise and wasted an application.i dont think ill get the card,but if i do,then ill be made up,im bending the rules i think,as im sure when it states household income it means u and your partner,but i aint got one,i live with my parents,but there both own their own businesses and earning over 100k pa,so ill just play dumb and say i thought this my household income!!!!anyway id like to get one over on these agencies.ive been rejected for a few things in the past im 21 not much debt had loan overdraft and direct debits for over 3 years never missed any payments ever,never late.i have a credit score of just over 900,it gave my house a 5 star credit rating.i can only hope,i will defo keep u up to date mate.merry xmas

Yeah Household income is misleading isn't it? I still live at home and our household income is high but i wouldn't put that on the form as what my folks earn is nothing to do with me.

The thing with 'credit scores' is that they are worthless. The provider will make a decision themselves and not be swayed by what agencies say. A creidt score of 900 will mean nothing to Amex. They won't even look at that. They will just look at your file and make a decision based on the facts presented to them.

If you get one then i may be tempted to go for one! Merry Christmas :beer:

thewinkshow

i will keep you updated mate

Mrs_pbradley936

I do not know if they are hard to get but I do know that lots of places do not take them so I would not bother. My friend has one and I would say that only half the places we go to take them. I think they charge the retailer more than the others.

Phoenix79_2

The big retailers will more than likely take them but your independants probably won't.

ssouthall6

Apparently the retailers hate AMEX as getting money back from them is like pulling at teeth, and they get charged a relatively high rate for taking it.

Got mine easy enough with a £3.5k limit and I only have an average credit rating.

Madiba_2

I've got 2 AMEX cards. A Nectar one and a new cashback one. They share the credit limit of £10k.

The platinum cashback one is very pretty. Neither were hard to get, but then my income is higher than 20k

moonrakerz

American Express charge very high commission rates, as a result when you offer an AE card the usual first response is;- "do you have something else": AND as someone else has already pointed out, a lot of small places don't take them at all. For the same reason !

Llyllyll

thewinkshow wrote:

Anyone got any experience with them?

I applied for the Platinum cashback card on Monday. I phoned Amex today to check all was ok and they confirmed that I had been accepted. Got a higher credit limit than on any of my other cards and was told that if I close any of the others the credit limit on those could be added to that which Amex have just given me. Result .

exel1966

thewinkshow wrote:

i get the impression that american express are thought of as the most prestigious cards available,are they a harsh credit scorer?i have no history of bad debt and have never been late on any payment ever.i have a overdraft a loan and a credit card,all up to date and in check,ive applied for the american express platinum cashback card.my credit score was 888/1000 with checkmyfile.it gave me a 4 star credit rating.whatu think my chances of being accepted?anyone got any experience with them?

thanks again

Having had a Platinum one for 7 years I can assure you there is absolutely nothing Prestigious about them whatsoever.
Customer service is appalling coupled with their disrespect for their customers I decided to get out !!!

Your "credit score" of 888 means ZILCH as their is no such thing as a universal score. All financial institutions have their own lending criteria and will make their decision based on that alone.