after seeing all the post for amex bankin and line of credit i decided to try my luck, last nov i applied and was turned down for amex checking. after waiting for my experian report to clear of negatives i decided to try it again. first tried to apply for loc got message for delay. called amex and was declined for that one. after that i tried to get checking, it asked if i wanted overdraft i checked yes. it came back and approved me and gave me checking acct number and said my overdraft was approved too for $500. after getting the checking i decided to get savings,it was approved too. happy to see i got savings. i have to send in deposit of $100 to activate each acct. called cust svc they said you access overdraft by writing a check or using debit card. Definately an improvement since last year as they would not approve at all. my experian score was 582, no negatives just alot of accts with balances close to limit on several. surprised i got approved for amex banking. maybe this is doorway to getting an amex card in the future. hopefully i'll be on their list to offer and maybe a preapproval.
(a) maintain an average minimum balance of $1,000 in this account OR How much would you have to leave in so there are no monthly fee's..
