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Forums Payment cards American Express New to Amex, Business Platinum declined :(

  • 5 posts

    I have 72k turnover in my business (it’s been one year ) 38k other income from my day job.

    One other credit card but have only used it a handful of times.

    Checked my credit score via Lloyds app which says I have 628/710 which is deemed excellent?

    How do people get over 710 when it seems this is the maximum?

    Do you think it’s worth applying for the personal platinum or should I wait a while.

    135 posts

    Your credit score is meaningless. No one sees or cares about it but you (and you shouldn’t either for that matter).

    650 posts

    Turnover is also not a useful measurement. Profit is key. The fact your business has only been running one year is against you as well.

    88 posts

    There’s an eligibility checker. I’d recommend using that and having a look at the likelihood of acceptance it spits out.

    136 posts

    I’m pretty sure that the card carries personal liability so they probably care more about you than the company.

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