Has anyone actually received an "Invite" to the Centurion program in 2017?
Jun 15, 2017, 4:32 pm
#107
Join Date: Mar 2015
Programs: DL DM, Hertz PL, Relais & Chateaux 5C
Posts: 5
Not true
the ECOA and the fairness in lending act pretty sure have changed how AMEX extends credit- this was not quoted to me exactly but pretty sure this is what was being talked about.
basically without a FR AMEX can only extend FAIR credit based on HISTORY of SPEND-REPAYMENT and FICO- this is why they monitor % of revolving outstanding and FICO every month.
yes people that push 2+ million have excellent credit. AMEX will NOT float or extend a 250K per month bill to someone that doesnt.
smaller fish might have 835+ credit but without the spend they dont get the black.
basically without a FR AMEX can only extend FAIR credit based on HISTORY of SPEND-REPAYMENT and FICO- this is why they monitor % of revolving outstanding and FICO every month.
yes people that push 2+ million have excellent credit. AMEX will NOT float or extend a 250K per month bill to someone that doesnt.
smaller fish might have 835+ credit but without the spend they dont get the black.
Jun 15, 2017, 8:24 pm
#108
Join Date: Jun 2013
Posts: 51
That's w=awe208;28447956]I dont have an 800 and can spend will into that range on my plat card. I have used "check my spending ability" to run 200000 charge while I had 60k on my card and it said I was approved to spend that. I mean I have some months that are 10k and some months that are 100k. I prob avg between 30-70 80% of the time. That is exclusive of my other charges on my Delta card which averages 60k a year.[/QUOTE]
spending 50k a month with a sub 800 FICO won't get u a black card. Trust me
spending 50k a month with a sub 800 FICO won't get u a black card. Trust me
Jun 15, 2017, 8:48 pm
#109
Join Date: Jul 2014
Location: SFO
Posts: 266
the ECOA and the fairness in lending act pretty sure have changed how AMEX extends credit- this was not quoted to me exactly but pretty sure this is what was being talked about.
basically without a FR AMEX can only extend FAIR credit based on HISTORY of SPEND-REPAYMENT and FICO- this is why they monitor % of revolving outstanding and FICO every month.
yes people that push 2+ million have excellent credit. AMEX will NOT float or extend a 250K per month bill to someone that doesnt.
smaller fish might have 835+ credit but without the spend they dont get the black.
basically without a FR AMEX can only extend FAIR credit based on HISTORY of SPEND-REPAYMENT and FICO- this is why they monitor % of revolving outstanding and FICO every month.
yes people that push 2+ million have excellent credit. AMEX will NOT float or extend a 250K per month bill to someone that doesnt.
smaller fish might have 835+ credit but without the spend they dont get the black.
Fair Credit Reporting Act requires a credit company to extend credit to everyone that they set a criteria for to a Credit Reporting Agency. They can set whatever criteria they want, and whomever the Agency reports back to them MUST get a firm offer of credit.
But no one requires AMEX to seek customers for Centurion this way. They can do it in any way they want, and apparently having a existing AMEX charge card relationship is the best way. They gather both experience and non-experience information, run their own models and determine who gets an invite.
ECOA and Truth in Lending (you wrote fairness in lending, which doesn't exist) are simply regulations that govern that consumers are treated equally in the credit application process and credit disclosure process respectively. That is all, that has nothing to do with why a particular person didn't even get invited to apply for credit.
Jun 22, 2017, 8:37 pm
#110
Join Date: May 2006
Posts: 16
No centurion offer after $2 million anual spend
For the last 3 years i have spent between $2 to $3 million on my business platinum and have not received a centurion invite. i know people will tell me there is no point to it anymore, but i don't care i still want one.
anyone have any advice on how to move up that invite list?
anyone have any advice on how to move up that invite list?
Jun 22, 2017, 9:35 pm
#112
Join Date: May 2002
Location: Arizona
Posts: 5,690
$2-3mil usd should mean that you have a Relationship Manager (RM) assigned to you. That is your best bet. I know you want a centurion card but just take anything that says platinum and type the word centurion and place it over the word platinum. Amex does it with so many centurion items from emails to fhr material it is sad. I am sure chase will soon have a product better than centurion. So so sad.
Jun 23, 2017, 1:16 am
#113
Join Date: Mar 2017
Posts: 153
Our corporate Rep asked how we could increase our spending. Offered $1M per month of additional spend. I asked for the Centurion figuring they’d probably even waive the fee. She tried. Apparently there is also a corporate Centurion program. “Not doing invitations right now.” Yes, I was kind of stunned. The company is too big to make decisions in a non-bureaucratic way. I did almost $400k of personal spending last year also. Figured the 50% back on points they are keeping for this card plus the Delta status would have been valuable for me. But yes, one would figure $10M plus of business might have moved the needle. Nope. I own the stock and was probably most disappointed that they wouldn’t ”hustle” in that sense. Life goes on.
Last edited by nyc2cal; Nov 3, 2017 at 12:37 am
Jun 30, 2017, 12:33 am
#115
Join Date: Jan 2017
Posts: 4
What number is everyone calling in the US to get their account "notated" to be of interest for an Amex centurion?
Jun 30, 2017, 7:17 am
#116
Join Date: Apr 2012
Location: DEN
Programs: UA 1K, Marriott Plat, Hertz PC, Global Entry, CLEAR
Posts: 285
Jul 1, 2017, 6:08 am
#118
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Jul 1, 2017, 7:02 am
#120
Join Date: Feb 2012
Location: PVG
Programs: BA Gold, TK E+, ex AA EXP
Posts: 510
Anybody know the additional benefits and requirements for Spanish or French market?