How many open credit cards did you have when you applied for Amex and were accepted?
Curious to see if the active amount of cards you have causes impact to your application.
From personal experience with both number of cards and overall limit, it wonāt inherently have a negative impact.
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Same here. I think I had three cards when I applied and the Amex came with a limit 50% higher than my then high.
I gather that they prefer it if you have at least one card before applying. That said, others have gone for Amex first.
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Amex was my first one, got a very decent limit ā Barclaycard later gave me 1/5 of it!
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When I applied for the Plat I already had Nectar Amex plus a Santander CC and Monzo Flex.
After three months they let me transfer the credit limit from the Nectar and close it. The initial limit on the Plat was ok though (Ā£2500 iirc)
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Depends what number it is - which is what Iām curious about.
I had 5, closed two today. One balance will remain close to limit due to balance transfers to it (32 months 0%).
I had a lot more than 5 
I donāt think the number alone would ever be factored in though. Overall limit, utilisation ratio and total balance would be more important.
I think that they have a personal overall Amex credit limit per customer, too. Iāve never been able to get another card from them after my first one (platinum cash back).
They say thatās due to my Experian credit record but they have never even done a soft search on any of my credit records since my first card.
For what itās worth when I applied I had 4 credit cards 1 old ja ja card 2 NatWest cards ( donāt ask ) 1 Barclays card balance on 2 of them and I didnāt have a problem. End of the day give it a try there is no hard search for checking
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Which card is this?
I have the Platinum Cashback card. Iāve applied for others like the Nectar and Gold cards over the past couple of years but get rejected immediately (without any CRA checks at all), so itās something to do with their internal scoring.
I have a high credit limit on the card (around twice as high as any other of my accounts) so Iām thinking that Iāve reached their personal āper customerā credit limit.
Have you tried applying for their charge card?
No - itās of no interest to me without rewards. Just tried another eligibility check on their website and it said that I wonāt be accepted for any of their cards. It did actually check Experian this time.
Experianās own eligibility checker is coming up with loads of pre-approved cards from all the big names bar Amex, though.
To be honest, Iām happy with the 5 cards Iāve already got. Between them I get 1% cashback on supermarket shopping (NatWest Reward), 0.5% on everything else (Amex) and 0.25% where Amex isnāt accepted, along with no foreign currency fees (Barclaycard).
What card is this on?
The poor persons cashback card
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What card
Finally!
Anyone have any advice for the following situation:
I added my personal Amex to a work account by accident instead of a company card. I was then billed 60k despite my credit limit only being 35k. They initially denied the charge and phoned, I told them it wasnāt fraud and it was my mistake, but that it shouldnāt be charged in any circumstances. 2 days later they charged it. Are Amex within their rights to do this? I think I just have fundamentally misunderstood the idea of a credit limit.
Also - will this now ā ā ā ā my credit score etc? And be flagged when I get a mortgage?