How to Apply for an American Express Credit Card?
Whether you require financial flexibility for a significant purchase or simply need a simple, safe means to do it daily. And what could be better than an American Express credit card? A credit card is your trusty companion especially when it comes to making purchases.
Do you also want to apply for an American Express credit card? With this comes several things to mind- How to apply? Where to apply? And much more. So to ease your burden, here is everything you need to know.
What is an American Express?
American Express, sometimes also known as AmEx, is a US-based international financial firm that offers upscale charges and credit cards. It functions as both a card issuer and a credit card network since AmEx cards, for which payments are handled over its own network. It offers a wide selection of credit cards, ranging from budget-friendly to premium cards, each with a unique set of benefits.
How to Apply for an American Express Credit Card?
Recently moved to the U.S.? Experienced the need for a credit card? American Express assists newcomers to the United States in the application process for a new card as an international card issuer. Almost everyone eagerly looks forward to receiving an American Express credit card.
However know that you must meet the eligibility standards, which may include your age, annual income, credit score, residency status, etc., to be approved for the Amex credit cards
Do you also want to apply for an American Express credit card? Wondering how? The best way is to apply online as it is less time-consuming and also easy. So here is what you need to do:
Step 1: Visit the Web Page
First, visit the American Express Charge Card or Credit Card pages.
Step 2: Choose your Card
Secondly, choose the American Express card that best meets your needs. However, make sure to do some research and compare the ones that are offered.
Step 3: Apply
Then select "Apply immediately" from the menu.
Step 4: Submit Valid Information
Here, a different window will appear to reveal the application form. You must submit your personal information, including your name, date of birth, income, PAN, and address. Go to the following page by clicking "Save." Make sure to provide genuine and valid information.
Step 5: Banking Information
More financial information, including your bank account information, will be requested here. However, before applying, you can fill out the form, save it, and then review it.
Step 6: Approval
Once you complete filling out the form, you'll receive a confirmation informing you that they've accepted your application after submitting it.
Step 7: Legal Status Check
Furthermore, they'll ask you for any paperwork where you need to demonstrate your identity and legal status.
Within 15 days, you'll hear from them if your application is accepted. If not for any issues or reason, they'll let you know about the outcome in 90 days. So please carefully verify your application and eligibility and make sure you have all the required paperwork prepared in order to expedite the process.
Factors that Affect American Express Credit Card Eligibility
Wondering what factors affect the eligibility for an American Express credit card? Here are some factors you should definitely know:
Income Factor
For various credit cards, American Express has varied income restrictions. So make sure to check the income requirements on the official American Express website before selecting a credit card. This is because failure to fulfill the income criteria may hurt your eligibility.
Age Factor
Another factor that affects the eligibility criteria for American Express Credit Cards is the age factor. American Express credit cards are available to applicants above the age of 18. This means your credit card application will undoubtedly be denied if you don't meet the age requirements.
Credit Score Factor
Your eligibility may be significantly impacted if you have a poor credit score or no credit history. The credit card company defines a good credit score as one that is 700–750 or above. Credit card firms like American Express can simply give a credit card to the applicant after carefully examining the application with the help of a credit score, which is necessary to determine your credibility.
