amspcs
514 posts since
Oct 18, 2007
4.
Re: How can I get an American Express ? Aug 30, 2009 8:08 PM
Several folks have suggested you get an Amex pre-paid card. I don't believe there is such a thing.
Visa and MC have pre-paid cards, but Amex is a totally different animal.
The simple and only solution to your problem is: You need to improve your credit...period the end.
Unfnortunately this isn't an overnight process, may take years. Many people complain about
the problems their poor credit has caused them. While I feel sorry for them, the truth is that these people should have considered the consequences of poor credit when they were doing whatever they did to ruin their credit. Yes, some bad credit for some people is unavoidable and strictly speaking not their fault--for example, those who have suffered through catastrophic illness or job loss. But the vast major of people of people with poor credit arrived there via irresponsible financial habits.
"Telling your story" to Amex is a waste of time---they don't care about your story because everybody 'has a story.'. Bad credit to them means they're looking at a person who doesn't pay his/her bills, and that's all they care about, rightfully so. And having lots of money in the bank doesn't make a bit of difference. They realize one of the ways some people accumulate lots of money in the bank is by not paying their bills.
