Can you only get an American Express credit card if you have above average credit?

Question

I went to Circuit City and gave the cashier my AmEx card and he looked all surprised. Then he asked what kind of work I do... after hesitating for a minute, I told him... And I asked why he wanted to know, and he replied that he wants to know what kind of work he should be doing instead of working at circuit city .......since AmEx only approves people with good credit... is it true that you need good credit for an AmEx card? I've never heard of this before...

Answer 1

Personally, I don't consider myself to have above average credit scores, but I've had an American Express card for over 10 years. I do know for a fact, that unlike many other credit card issuers', AmEx does investigate your income, and job references. So you can't expect to be issued an American Express credit card unless you can prove that you earn a certain amount of money per year, and it can be verified.
Also, I've never used my AmEx card like other credit cards, I've never contacted AmEx to change my card to a revolving credit credit card, such as Visa, Mastercard, or the Discover card. Any purchases I make using my AmEx card, the total sum of my account charges are due with each months bill. If I charge $50,000 on my AmEx card, I am obligated to pay them the complete balance when I receive my bill. And, I like it that way.

Answer 2

It's good news folks for all Bank of America fans. Open your arms to receive the Rewards American Express Card from Bank of America. What makes this credit card special is that it will be readily accepted across the global network of American Express . Proudly called the Bank of America - Rewards™ American Express Card, it brings together the goodness of both the Bank of America and American Express. Let us look at some of its features.

Basic features highlights

1. 0% Introductory APR (Annual Percentage Rate) on balance transfers and cash advance checks for first 12 billing cycles.
2. Low fixed interest rates after the introductory rate has expired.
3. No annual fee.
4. Option to pay over time.
5. Emergency services such as replacement of prescription, physicians, hospitals, and referrals as well as legal referral services.
6. Extended warranty protection on purchases from scheduled outlets
7. Insurances for accident, damage and rental loss, while traveling
8. Protection against damage or theft of the card
Read more from: http://www.credit-card-gallery.com/article/228,15_simply_great_features_of_Bank_Of_America_Rewards_American_Express_Card

Answer 3

I have good credit and get letter after letter asking me if I want an American Express card. Many places do not accept them and why does anyone want to pay a yearly fee to have a credit card?