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Obtaining an AMEX Corporate Card with not-so-perfect credit.


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Posted by LD (162.130.1.254) on January 21, 2003 at 13:22:46:

I hope someone can help me out because I'm losing sleep over this one. My employer is converting to a expense report system that requires an American Express Corporate Card to be used. I had applied for one when I started in my current position (January 2001) and it wasn't approved. I'm pretty certain it was because I had both an AMEX card and an Optima card that were charged off several years back. I learned my lesson the hard way about being young, stupid and in love and letting my now ex-husband be an authorized purchaser. Well, this morning there was an AMEX Corporate Card application sitting on my desk. This piece of paper TERRIFIES me! Even though I paid off the balances of those two accounts and have established good credit over the past four years, I know HELL will probably freeze over before AMEX issued me credit again! Plus, I have a judgement and a collection account (both medical and over 2 years old) that were also because of my a**hole ex, thus lowering my credit "score" for Experian (the preferred report of AMEX Corp. Card Svc) to a measly 629. My active credit accounts are in good standing, but the balances are high. I am working to pay those down. Sorry for babbling, but I don't know what to do about this whole AMEX thing. Any suggestions or advice would be most appreciated.


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