Corporate Credit Card

[marko56]

I was discharged in August '05 from a chapter 7 and was recently hired by a company only to discover that AMEX declined my application for a corporate credit card. Why would they care if it is a company card? I told my boss last week about the chapter 7 and he told me to fill out the app.

Does anyone have an idea as to what is going on? Could the company intervene on my behalf?

[StaciMM]

AMEX is very much BK Unfriendly. It could be something w/ their terms. If you filled out a credit app, they checked your credit. If you were being put on an existing corporate account (like an AU) they probably wouldn't have run your credit. I have heard that Amex will decline, even for AU status, people who had prior negatives with them though.

[poorme]

Corporate Amex

Amex provides two platforms on their corporate cards. Under one, your company bites the bullet and tells Amex to send you a card - your credit score isn't used. In the 2nd, your credit is pulled and Amex makes a decision on you. Your company does have an option (likely), whereby they can have Amex provide your card, but usually requires your boss (or VP level) to send them a letter with the okay. Talk to your company's Amex coordinator - they can tell you what your options are. Generally, if your company requires you to travel, etc. they can get you the card - although they may impose a reasonable creidt limit on it. Speaking from experience with both platforms, here.