trouble getting an AMEX Blue card?(possible solution)

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skunkbuster2000

Member
Dec 5, 2001
38
0
0
Ok, so this might not be a ?hot deal? but I don?t think that this belongs is the brag and moan section.
If someone *were* to get this card, they would be able to get future hot deals (my rationalization for posting this)

This is for those of you(students most likely) who are having trouble getting an American express blue card.




The first time I applied for this card, I was rejected. I have excellent credit but I was rejected was because I didn't make $20,000 (so much for being honest the first time)

But I tried again today(not so honest this time) and I was accepted.

I was so excited that I decided to post this so it that it might help other people who have not had success getting this card.




I don't know if this will work for everyone, but it did for me.

Here is what I did:




Fill out the form as usual, and when you get to the line about:


"Yearly Personal Income "

Select: $20,000 - $39,000




And then



"Income Source"

Select: self-employed

(This would change depending on what you put for the "Please tell us about your employment")
(For example, I used my fathers' home business and address)



"Do you have a (check all that apply) Checking Account? Money Market/Savings"

I checked both of these.



I think that the most important thing(besides good credit) that determines if you will get accepted is to specify that you make at least $20,000 a year. I may be wrong though...

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DEFIANT1

Senior member
May 12, 2001
780
0
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So in essence, what you are proposing is credit fraud, right? Don't waste our time...:disgust:
 
I

isekii

Lifer
Mar 16, 2001
28,578
3
81


<< So in essence, what you are proposing is credit fraud, right? Don't waste our time...:disgust: >>



even if you wrote off some BS.

they have a way of checking your credit history.. and basically get all the information they need to make a decision~
so in essence .. even if you BS.. they'll know~
 
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Zwingle

Golden Member
Jan 1, 2001
1,925
0
0


<< they have a way of checking your credit history.. and basically get all the information they need to make a decision~ >>


Credit history is a large portion of the decision to grant credit, but the amount of money you currently make is also a factor, and they have no way of verifying your income level. I have always embellished the income level on my credit applications.
 
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DougyDanger

Senior member
Dec 7, 2001
214
0
0
I got "we cannot tell you right now" as a reply. They are going to let me know by mail. What does that mean? If you only need $20K a year, well I got that beat by a longshot. I pay hardly any rent, 5 years at my job, longer at residence.

Anyone else get this message and get accepted/rejected?:confused:
 
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Scorpi0

Senior member
Sep 15, 2000
336
0
0
If you have been rejected because of short credit history (apparently AMEX requires more than other CC companies) and you're a Costco member, try getting a Costco/Amex card first. It's easier to get than Blue. Once you have an Amex card, it will be easier to get Blue as well..
 
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AvantG

Member
Dec 31, 2001
64
0
0

For those of you who are students, I believe your tuition counts as your income. Hard to believe, as it seems more of a cost; but several credit card application-takers have verified that it counts toward income.
 
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GetReal

Golden Member
Mar 30, 2001
1,747
0
0


<<

<< they have a way of checking your credit history.. and basically get all the information they need to make a decision~ >>


Credit history is a large portion of the decision to grant credit, but the amount of money you currently make is also a factor, and they have no way of verifying your income level. I have always embellished the income level on my credit applications. >>




HMMM. It's called a tax return and AMEX does have electronic access and does check public tax records for applicants who list self-employed as an occupation.
 
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Scorpi0

Senior member
Sep 15, 2000
336
0
0
"We cannot let you know right now" generally means "We will send you the rejection letter by mail"
 
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trudi

Member
Mar 30, 2001
94
0
0


<< This is for those of you(students most likely) who are having trouble getting an American express blue card. >>



If your a student then just get the Student Card which amazingly enough IS the blue card as of the middle of last year. I think the only difference is the pricematching policy which I know is one of the big benefits of the Blue card BUT like someone else posted if you have one AMEX card its easier to get another or in this case just upgrade the one you have after graduation.

As for DougyDanger I convinced my parents to apply for Blue and they got that message. My mom was miffed because they have a pristine credit history, they didn't hear anything for a few weeks and then *poof* the card arrived. Give it a couple days and give them a call, they told my mom that they just don't always have instant access to credit histories.
 
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Madcowz

Platinum Member
Jul 23, 2000
2,652
0
0
Don't waste your time unless you have already established GOOD credit. If you're 18-20 and have NEARLY non-existant or not so good credit than you're most likely going to make it worse by applying (getting rejected puts negative 'points' on your credit rating)
 
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tigerbait

Diamond Member
Jan 8, 2001
5,155
1
0
I applied over the summer, when I was working an internship. I calculated how much money I'd make for a whole year, and put it there, but I actually was only working for 3 months. And I said I wasn't a student, because I wasn't over the summer :p. (didnt want the student card without the BVG) I figure it shouldn't matter to them, I got approved, I've payed my bills on time.
 
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BigDoggie

Banned
Dec 4, 2001
172
0
0
Hmmmm.....

The upside is that you may get a card good for a year or two.

The downside is that, this being a violation of federal law, you may spend that year or two in jail, being the wife of Bubba, Willie and Carlos, which might impact your own personal downside.

Doesn't seem worth it.

Unless you enjoy that sort of thing.
 
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CrazChris

Junior Member
Aug 16, 2001
15
0
0
hmmm ru sure they base it on income?? i'm a student... first credit card.... no income..... but still managed to get a normal blue card?? after getting one of those messages that say "we cannot let you know right now" they called me in a few days and said i was accepted =D heheehehe i guess i got lucky?? heh weird
 
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skunkbuster2000

Member
Dec 5, 2001
38
0
0
"we cannot tell you right now"

uh-oh, i hate to tell you this but i got that same message the first time i applied.

a week later i got another message:

(basically) "you have been rejected b/c you don't make enough money"

it may not always be a rejection though...
 
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mdetz

Senior member
Mar 5, 2001
570
0
0
I don't think getting rejected shows up on your credit report. I think it is just the credit inquiry that you lose points for.
 
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Rally1

Platinum Member
May 20, 2001
2,358
0
0
did you read the bit about "i the undersigned agree the above is true"

-it's located near where you sign!

did you ever think they have a reason for not giving a credit card to a person with no income?! It may have something to do with, it's hard to pay a credit card bill, if you dont have any income.

Good luck with that, and by the time you leave school, you should be firmly in debt. You must not be studying finance, or ethics at school, lol.
 
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solo

Member
Oct 9, 2001
148
0
0
Anyone know what credit score you need to "score" an Amex Blue? You can check your FICO score once a yr for free in most states, 2 times a yr in GA. I'm planning on checking it and then applying if it's high enough, BUT how will I know if it's high enough? My income level is no problem, they can check my tax records or whatever for that.

-Solo
 
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GetReal

Golden Member
Mar 30, 2001
1,747
0
0


<< did you read the bit about "i the undersigned agree the above is true"

-it's located near where you sign!

did you ever think they have a reason for not giving a credit card to a person with no income?! It may have something to do with, it's hard to pay a credit card bill, if you dont have any income.

Good luck with that, and by the time you leave school, you should be firmly in debt. You must not be studying finance, or ethics at school, lol. >>




LOL! :)
 
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Fant

Senior member
Jul 9, 2000
616
0
0
FYI: I applied for Amex Blue and got the message saying we cant let you know right now...then a few days later a lady called me to verify my name and address and told me i got approved. And I make well over $50k...
 
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lesch2k

Golden Member
Feb 15, 2001
1,159
0
71
my suggestion is to get a student card of some type with a small limit from a bank, that is what i did charging about $50 a month and paying it off on time every time.

then a year later i applied for a blue for students and got it. also under income i put what i made per month at the time of application which happened to be in the summer.
 
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