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I applied for the Delta gold business card that I held the personal of until recently (annual fee was up, I couldn't get an offer so cancelled). It was a soft pull as far as I know, I have other cards (PRG, Gold biz, SPG Biz). I got denied for the Delta Biz card bc of "credit limit recently lowered". This was because of the card I just had that was closed, I'm assuming? I asked an agent about it on chat and he said that didn't make any sense either, that he couldn't see a limit reduced on any of the cards- just the one card completely closed- and to call. So I did, they said they would pull my report and do a check. I figured fine, it was a good offer and I could try to pair with a charge card. Well, the same exact answer came back to me.
Am I in purgatory? What should I do? Can I or should I even recon this, how to get back in Amex's good graces? Thanks.
I just got a 5 point hit for moving 5k of credit from one Chase Card to another - the alert I got was lender lowered limit. So this is the last time I try that.
As far as your Amex issue - the law says they have to give you a reeson why you were denied. It is frequently not the actual reason but a reason. Recon it and get them to explain or give it a year .