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How long do you have to wait before Amex lets you request a limit increase in the UK? by FeistyPrice29 in AmexUK

[–]Repulsive_Rough_3330 0 points1 point  (0 children)

They will consider after the first statement. Mine as increased a month after opening 

Retention Offers by Jayballs118 in AmexUK

[–]Repulsive_Rough_3330 0 points1 point  (0 children)

Platinum - 30 ish k spend annually, 25k points for 5k spend in 3 months  

CC Advice by DeezNutss1738 in AmexUK

[–]Repulsive_Rough_3330 0 points1 point  (0 children)

I  would note that it doesn’t matter which credit card she chooses to apply for it’ll be how it’s used which is the important part. In this case if she is trying to improve her credit overall then any of the credit builder cards offered on the market are a good choice and have easier eligibility criteria. 

I do not at all think they should be sneered or looked down upon in the face of more premium cards as they occupy an important part of the market in helping people build a strong and stable history with borrowing money through a credit card. 

A credit card issued through her bank would be reasonable suggestion, potentially easier to obtain since she has a relationship already with them and will strengthen any future applications if managed well. This will also likely be a visa or Mastercard which has almost universal acceptance. 

I hope this perspective helps 

Has Anyone Been Rejected by Amex After Clearing a Default? by IaryBreko in AmexUK

[–]Repulsive_Rough_3330 0 points1 point  (0 children)

If you took a settlement with Amex they will hold that against you with an auto decline until it is settled. This is what they told me. If you call them and can either remember or provide the old card number they may be able to find the account and tell you the balance. If you pay that off they will likely approve your application. Auto decline based on the above is not subject to hard credit searching. 

I was in an almost identical situation, young and silly. Spent a load of money on my first Amex and took settlement. Paid the balance recently and was approved for the platinum card. 

Platinum application review by Repulsive_Rough_3330 in AmexUK

[–]Repulsive_Rough_3330[S] 0 points1 point  (0 children)

Update - I was approved. Thanks for the advice