{"id":4467,"date":"2015-05-22T20:03:26","date_gmt":"2015-05-23T00:03:26","guid":{"rendered":"https:\/\/www.duck9.com\/?p=4467"},"modified":"2015-05-23T00:05:31","modified_gmt":"2015-05-23T04:05:31","slug":"what-fico-score-is-needed-for-westin-hotels-american-express","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/what-fico-score-is-needed-for-westin-hotels-american-express\/","title":{"rendered":"What FICO Score Is Needed for Westin Hotel&#8217;s American Express"},"content":{"rendered":"<blockquote class=\"twitter-tweet\" lang=\"en\">\n<p dir=\"ltr\" lang=\"en\">Amex just declined me again for a starwood card. I have excellent credit and cash in the bank. WTF?<\/p>\n<p>\u2014 Michael Arrington (@arrington) <a href=\"https:\/\/twitter.com\/arrington\/status\/28754614100\">October 26, 2010<\/a><\/p><\/blockquote>\n<p><script src=\"\/\/platform.twitter.com\/widgets.js\" async=\"\" charset=\"utf-8\"><\/script><\/p>\n<a href=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/05\/image14.jpeg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4157 size-thumbnail\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/05\/image14-e1432353915302-150x150.jpeg\" alt=\"W Hotel Scottsdale Starwood Preferred Guest AMEX, Larry Chiang\" width=\"150\" height=\"150\" \/><\/a> W Hotel Scottsdale Starwood Preferred Guest AMEX, Larry Chiang\n<p>By Larry Chiang<\/p>\n<p><span id=\"__w2_v3YbrA2_toggle_link\"><span id=\"ld_gpephe_32256\"><span id=\"ld_gpephe_32257\"><span class=\"inline_editor_value\">The scoring algorithm might go against general population&#8217;s common sense. The credit score minimums for Amex SPG &#8216;Starwood Preferred Guest&#8217; has ins-and-outs only insiders like me navigate. On Quora, an American Express exec chimes in from behind the secret curtain: &#8220;Larry Chiang nails the answer right on the head&#8221;<\/span><\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/twitter.com\/larrychiang\" target=\"_blank\">@larrychiang<\/a>: Mike @arrington ya know by 11-11 day, I&#8217;ll get u approved Re: Amex just declined me again for a starwood card<\/p>\n<p>Mike Arrington&#8217;s Quora:<br \/>\n&#8220;My credit score is 748 and amex has repeatedly declined me for a card.&#8221;<\/p>\n<p><span class=\"qlink_container\"><a class=\"external_link\" href=\"https:\/\/techcrunch.com\/2010\/10\/25\/damnit-amex-give-me-a-credit-card\/\" target=\"_blank\" data-tooltip=\"attached\">&#8220;Damnit Amex, Give Me A Credit Card&#8221;<br \/>\n&#8212; Mike Arrington, TechCrunch<\/a><\/span><\/p>\n<p>I was inclined to spend an hour and a half answering Mr. Mike&#8217;s question (see the 14 videos down below). You see, Mr Mike has invited me to invite dozens and dozens of startup engineers and Stanford founders. To return the favor, I have reverse engineered all things Starwood Hotel&#8217;s American Express to coach up your credit, FICO score, clarify verbal legends about Amex credit rules and overview America credit underwriting policy as governed under US law; the Fair Credit Reporting Act<\/p>\n<p>Good news = Mr Mike Arrington now has an Amex earning points every time he stays at a Westin Hotel!<\/p>\n<p>URBAN MYTH #2<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/ubJGA-NcBwM\" width=\"420\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>URBAN MYTH #2<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/l8uafsG9WYA\" width=\"420\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amex just declined me again for a starwood card. I have excellent credit and cash in the bank. WTF? \u2014 Michael Arrington (@arrington) October 26, 2010 By Larry Chiang The scoring algorithm might go against general population&#8217;s common sense. The credit score minimums for Amex SPG &#8216;Starwood Preferred Guest&#8217; has ins-and-outs only insiders like me [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-4467","post","type-post","status-publish","format-standard","hentry","category-credit-secrets"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=4467"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/4467\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=4467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=4467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=4467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}