American Express Cards

Swans1912

Lavendyr wrote: »

I just applied for one, having no missed payments or defaults on my record but having moved house quite a lot, and got a £2400 credit limit. So not sure what they lend based on but it can't be that harsh surely? Also they phoned me just to check I got the card OK and to see if I had any questions which I thought was a nice touch.

I have yet to try buying anything with it though...!

Same situation and similar credit limit.

AMEX customer service is very good, they also phoned me to let me know I got expected and answer any questions I had.

I've spend around £1500 (paid off in full) on it in less than a month

EDIT: I am only 20 and have a Barclaycard oyster with a similar limit too, all paid off in full each month.

bethanyrayne

fallen121 wrote: »

Don't forget you can get £22.50 cashback if you apply for an AMEX card through the Greasypalm shopping site!

£40 through Quidco:cool:

bethanyrayne

ratttyo wrote: »

Are Amex cards harder to get accepted for than other general credit cards?

I have 3 credit cards, but I've changed my address alot in the last couple of years so wondering if applying for and Amex card is a waste of time?

Hmmm Just applied and got referral. Not good me thinks

KerryGold

bethanyrayne wrote: »

Hmmm Just applied and got referral. Not good me thinks

Me too...

How many people get instant decisions with AMEX?

Thanks!

K x

skyrider007

Mine got referred but I eventually got a contract in the post about a week after I applied. Signed the contract sent it back and within 2 weeks later I've got my card (AMEX GReen charge) and PIN.

OllyM

iKennett wrote: »

EDIT: I am only 20 and have a Barclaycard oyster with a similar limit too, all paid off in full each month.

They only let you apply for the Barclaycard Onepulse if you're over 23?

kentkent

Hi, i don't have a home telephone number, will be less chance to get the amex card? thanks

Swans1912

OllyM wrote: »

They only let you apply for the Barclaycard Onepulse if you're over 23?

The Oyster states 'best suited for' someone over the age of 23.

I only signed up for the account last December for the Activation Credit of £25.

Just a correction, turns out the credit limit is near the £5K mark. Think its about time I closed to account.

PS: When applying for the card I would have been 19, but 20 within 2-3 weeks.

OllyM

iKennett wrote: »

The Oyster states 'best suited for' someone over the age of 23.

I only signed up for the account last December for the Activation Credit of £25.

Just a correction, turns out the credit limit is near the £5K mark. Think its about time I closed to account.

PS: When applying for the card I would have been 19, but 20 within 2-3 weeks.

Oh right, interesting - I wonder why they state that yet allow people under 23 to get the card?!

Swans1912

OllyM wrote: »

Oh right, interesting - I wonder why they state that yet allow people under 23 to get the card?!

I 'think' it is probably because people of under 23 years of age generally don't have a high income and good credit history.