Comment at What CIBIL Score your Amex Card approved

[Theron]

So many Members of this community are getting Amex Cards. I am advising members to comment their CIBIL score at what they got their Amex Cards. We can figure out minimum CIBIL criteria.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Amex is very lenient with Cibil Score
Many got they Amex cards at Cibil 720

Amex and sbi are the easiest cards to get
Main criteria of Amex is serviceable area

 

[Digvijay]

3 Amex cards Platinum travel, Gold and MRCC without icome documents with CIBIL 745 in same month!

 

[LordVoldemort]

21 enquiries in 3 months or 3 years?

3 months

 

[vn_1]

3 Amex cards Platinum travel, Gold and MRCC without icome documents with CIBIL 745 in same month!

Without income documents? How? Can you please explain in detail?

 

[Digvijay]

Without income documents? How? Can you please explain in detail?

The Amex system fetched all the income data from PAN so nothing required.

 

[pprakash11]

Amex is very lenient with Cibil Score
Many got they Amex cards at Cibil 720

Amex and sbi are the easiest cards to get
Main criteria of Amex is serviceable area

How many inquires are enough in past 3 months to get amex?

 

[kredit]

Without income documents? How? Can you please explain in detail?

Same with me, they never asked for any docs.

 

[sidsonn]

MRCC and Gold. Both at around 780-800. 5 months apart

 

[MeanMachine]

Plat Travel, No Documents, CIBIL 808.

 

[Ram1]

743

 

[hks789]

MRCC and Smartearn 5 days apart.
Jan 2023
Cibil: 788

 

[hks789]

Other than CIBIL score, credit enquires and annual income, what are the other factors considered by the algorithm?

Its not just the score that matters, most of the bank algorithms will through your entire credit report and generate a result based on that.
The criteria or weightages will vary based on the bank.

 

[emadiqbalali]

I got AMEX MRCC at the CIBIL score of 781.

 

[Adwait]

I got AMEX MRCC at the CIBIL score of 781.

Does enquiries matter?

 

[emadiqbalali]

Does enquiries matter?

Not really. I had more than 5 enquiries in 2023 itself. The portfolio of cards you've and the balance debt you've probably matters the most than enquiries.

Also the address is taken strictly. They verified my physical address by manually visiting and capturing photos of it from 4 sides to send the team doing risk assessment. I asked the agent who was capturing it and he even made me talk to him where he asked more questions like dependents, vehicle I own etc which I think was not quite expected but this was my case.

 

[Dev90100]

750

 

[bhavik886151]

Get MRCC in Jan- 2023 cibil score is 715 approved in 4 days after sent ITR and done VKYC

have total 4 cards at the time of apply and last inquiry is 4 month back of ICICI Apay which is rejected

 

[axb]

I had 784 CIBIL at which I got my 3 AMEX cards approved

 

[vaibhav111vaibhav111 is verified member.]

791 was my cibil score

 

[codenerd]

My friend ahs credit card of other bank, good payment history, salary of 1 lakh per month and he applied via my referral and still got rejected. ANd he has 850+ credit score! SO amex kind of has no logic. IN my earlier days I got approved for amex when it was my first card with 20k salary! No logic with AMEX!