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American express authorized user getting their primary account


InkyBlac
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Hello, all I am repairing my credit. No primary account currently or other accounts. All derogatories have been removed from my report. My score is under 600 and I am an authorized user of American Express the user is under 20%. I am an authorized user of an American Express cardholder. My question is I was told that I can apply, get accepted, and receive an American Express primary account due to the info I stated in the beginning? Please advise some steps I can do to build my credit or a step-by-step PDF. Thanx in advance.  

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If you do not have any other credit beyond the AU account, then I would not be hopeful on the approval.  While they are not score driven like other lenders (meaning that they have denied some with 750+ and approved others who were sub-620), they also tend not to want to be the first one out on the branch...

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20 hours ago, InkyBlac said:

Hello, all I am repairing my credit. No primary account currently or other accounts. All derogatories have been removed from my report. My score is under 600 and I am an authorized user of American Express the user is under 20%. I am an authorized user of an American Express cardholder. My question is I was told that I can apply, get accepted, and receive an American Express primary account due to the info I stated in the beginning? Please advise some steps I can do to build my credit or a step-by-step PDF. Thanx in advance.  

welcome to CB!

 

 

amex might not be the best first card to apply for. You may be better of getting 2 or 3 secured cards and in 6 months trying amex.

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Try Discover. They are a good place to start for a first card. I have seen people approved for an unsecured card with a $1k limit with a blank credit profile. Or get a secured card. Cap1 is also a good choice for someone just starting out. Pay one of these cards on time and in full for 6 months, get a credit limit increase, then try for AmEx using their pre-qualifier tool. You can also use similar tools at Cap1 and Discover, saving unnecessary inquiries...

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On 10/30/2022 at 11:50 AM, shifter said:

Something doesn't add up with an under 600 FICO and no derogs. Of course if this is a skore from somewhere like CK, anything goes. 

It does not add up to me either. The data is from myFICO. I removed all of the derogs with in the last 6-9 months, started with 10 derogs and have a secured card for 5 months. 

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On 11/4/2022 at 3:18 PM, InkyBlac said:

It does not add up to me either. The data is from myFICO. I removed all of the derogs with in the last 6-9 months, started with 10 derogs and have a secured card for 5 months. 

have you tried the amex pre-screen tool?

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Make sure the secured card you have is paid in full every month, and if you have the ability to do so, get another secured card.  Maintain for a few months - and then start researching cards and their requirements.  Amex may not be your best place to start.

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