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Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Amex ... pending ... boom! ... approved ... HUH?

[ Edited ]

I was going to garden for six months before applying for my first Amex -- a BCE. But I threw myself into the path of temptation for the one and only card I still hanker for (didn't even seriously resist).

 

Applied for the BCE online ...

 

Got the dreaded "pending" message (telling me they'd notify me in writing within 14 days) ...

 

Then, minutes later, in the time it took me to find their application status page ...

 

Boom! Approved.

 

Happy, happy, happy! Don't get me wrong, I'm happy. I have arrived.

 

But really. Tell me. Please. What could they possibly have learned about me in those couple of minutes between "pending" and "congratulations"?

 

I know it's like trying to read tea leaves or whatever, but I figure you veterans of the credit wars probably have some insight into what's going on in those minutes. Are they pulling more bureaus? Handing the app off to a smarter computer? Casting the I Ching? What? It seemed far too fast for any human review.

 

Thoughts? Guesses? Insider dope?

Moderator
09Lexie
Posts: 24,383
Registered: ‎09-13-2012

Re: Amex ... pending ... boom! ... approved ... HUH?

Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Re: Amex ... pending ... boom! ... approved ... HUH?

Thank you, Lexie! I admit, this was a pretty big deal. It's nice not to have to celebrate it alone.

Frequent Contributor
xiownthisplacex
Posts: 258
Registered: ‎08-29-2011

Re: Amex ... pending ... boom! ... approved ... HUH?

Congrats! Don't forget to ask for the 3x CLI in 61 days time!


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Citi EQ Pull: 745 Walmart TU08: 750 AMEX EX Pull: 745 1/21/2013 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$9,500$9,500$5,000$5,000$5,500$6,500$5,300$9,000$5,500$4,200$1,200$1,900$1,600$1,600
Established Member
NewYorkGuy
Posts: 111
Registered: ‎04-07-2011

Re: Amex ... pending ... boom! ... approved ... HUH?

Congrats, what are your stats in terms of Fico Score, number of inquires on your file and current utilization?

 

 

Frequent Contributor
RSCo
Posts: 472
Registered: ‎02-11-2013

Re: Amex ... pending ... boom! ... approved ... HUH?

Its a system error on their status site.....  I also got the same "pending" response, and then went to their status page where it says I too was approved... Must be a bug in their system....  LOL  :smileyhappy: :smileyhappy:  Congrats to ya... 

 

BTW - my Fico is..

 

EQ - 708

EX - 695

TU - 665

 

Prob even lower as I just applied for 4 new cards in the past 2 days and got them all, PLUS a 2,200.00 CL bump from Citi... 

 

Date ReceivedCardStatus of ApplicationNext Step
02/12/13
DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS
Approved
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer
Citi Hilton Honors: $25,000 -- Amex PRG: $NPSL -- Citi TY Premier World: $9,880 -- NWFCU: $7,500 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,000 -- Discover IT: $5,000 -- AmexTrueEarnings: $5,000 -- Amex Gold Delta: $4,500 -- Pottery Barn: $4,000 -- Ethan AllenGE: $4000 -- Chase Slate: $2,500 -- CapOne Platinum: $2,500 -- CapOne Platinum: $2,500 -- AmazonGE: $2,200 -- Barclays BJs: $1,800 -- WalmartGE: $1,500 -- PenFed LOC: $500
Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Re: Amex ... pending ... boom! ... approved ... HUH?


NewYorkGuy wrote:

Congrats, what are your stats in terms of Fico Score, number of inquires on your file and current utilization?

 

 


Eq (MyFico) 766, TU (CK FAKO) 758, Ex ?

 

Inquiries on TU: 3, on Eq and Ex, 1 each (all within last three months)

 

Utilization 19%

 

AAoA: 5 years

 

Most recent credit opened this month

 

No baddies

 

Very modest income, though.

Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Re: Amex ... pending ... boom! ... approved ... HUH?

Ohhh. A bug in the system. Yeah, that makes sense. My best guess would have been that they initially pulled from one bureau but because my income is so unimpressive it triggered automatic pulls from the others before approval. (I aways think of Amex as being for the big guys.) But a bug in the system makes even more sense.

 

BTW, I'll report back once I learn which bureau(s) they pulled.

 

And oh yes, those 61 day CLIs. I've never had one of those before. I expect I'll be nervous as a cat when I ask.

Valued Contributor
Gunnar419
Posts: 1,117
Registered: ‎01-23-2013

Re: Amex ... pending ... boom! ... approved ... HUH?


RSCo wrote:

Prob even lower as I just applied for 4 new cards in the past 2 days and got them all, PLUS a 2,200.00 CL bump from Citi... 

 

Date ReceivedCardStatus of ApplicationNext Step
02/12/13
DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS
Approved
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

Congrats to you, too, RSCo! That's quite a haul. I thought Amex hated seeing recent pulls, which is why I was afraid of jumping in now. But you got a lot of love in a short time from everybody.

 

Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Amex ... pending ... boom! ... approved ... HUH?

Nice going, Congrats on the approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13

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