When American Express makes credit decisions, one factor we take into account is the customer's overall level of debt relative to his or her financial resources known to us. Also, we look at a variety of factors that comprise a customer's overall credit profile, which includes, among other things, payment history with American Express, reported income and credit bureau reports and scores.
While each customer's situation is different, and decisions are made on a case-by-case basis, what remains the same is that understanding and managing your credit wisely are critical.
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the Household Guide to Credit by Personal Finance Expert Jean Chatsky.