Amex/Blue-Approval Requirements

Dogman brought up a good point.Amex treats you more like an individual, and not as just a profit center.So...

Before we all run out and burn an inquiry trying to get that Amex Blue card that many want but can't get, its seems it would be a big help knowing in advance what Amex really needs to see from you and what they really don't want to see
to be approved.

They want any past judgements and/or liens paid or resolved.
They also want them to be paid or resolved at least two(2) or more years prior to your new amex application.

They want to see at least one(1) cc acct opened for at least three(3) years for approval. So that 3 year love affair w/Providian (I.E.,"They love to hate me") is for most, a necessary, but not a permanent handicap.

Amex/Blue wants your cc revolving debt ratio to be under 50% for approval.Let me clarify, Amex/Blue wants(needs) each and every cc revolving card to EACH be under 50% debt utilization even for human reconsideration approval.So what this means is if your total debt utilization is 25%, but one cc acct is at 55% debt utilization, your toast.

From the time you are declined you have about 60 days to get the offending info and debt ratios within stated range.
Show amex proof of all corrections using the reconsideration dept and with around a 650 fico, maybe less, it will get done.

Highest priority-Amex expectations change from time to time.
(that means, Don't shoot the messenger) I also encourage anyone with any other necessary needed requirements that would be of help any member reading this to add their experience and knowledge to this post.

I hope this gives some insight into why some good people sometimes get declined.

VJ