FlyerTalk Forums - View Single Post - Why does the AmEx Green Card have a $95 annual fee? Card for Suckers?
Old Sep 23, 2017 | 9:15 pm
  #22  
blaz
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Join Date: Jun 2013
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Originally Posted by sdsearch
Does Amex really give charge cards to people with no credit history?
Yes, they do. In fact, the Green, Gold and Platinum have exactly the same underwriting criteria (based on circumstantial evidence on internet forums), so you can in theory get a Platinum with zero credit history.

In fact, many people think that Amex the bank in general is harder than many other banks for someone with no credit history.
Not at all. In fact, based on my own experience, it is the easiest bank to deal with. I opened a bank account and credit card ($5k credit line) with HSBC when I moved to the US in February 2013. In May 2013 I got the Amex Delta Gold with an $8k credit line. I had no credit score at that point, as one needs at least 6 months of credit history to generate a credit score. I did have to send in a payslip, but that was about it. As long as Amex believes you have the means to pay it off, you can get one of their cards with basically no credit history.
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