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AMEX Recon Help!

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Anonymous
Not applicable

AMEX Recon Help!

Hello! 

 

I am needing help with Amex recon. I went on a shopping spree last week and the results are in order of which i app'd first:

 

Capital One QS1 - Instant approval 1k

Chase Freedom Unlmited - Instant approval - $3,500

Amex BCE Preferred - Instadenial

Citi AAdvantage - Instadenial (Really want the Citi DC, app'd the wrong card)

Bank Of America Cash Rewards - Instant Approval - $2k

Wells Fargo Amex Propel - Went pending; called the backdoor number and approved for 2k; Called underwriter and increased limit to $3,500

 

Before the spree I only had a Discover IT secured card with a $2,500 limit which i've had for 5 months (Always PIF)

 

I tried calling AMEX recon but that didn't work. Only a level 1 rep who said they will forward it to the manual review team which was denied. TWICE. So i've decided to write a letter to the executive office with a reasoning for the denial in hopes of turning it around - I can't seem to find where to send this letter. Does anyone have any input?

 

Message 1 of 11
10 REPLIES 10
fltireguy
Valued Contributor

Re: AMEX Recon Help!

What are your scores? Do you have any baddies? BK?
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 2 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

 

No Baddies (They fell off a couple months ago) 

NO BK

 

At the time Amex pulled my score the letter stated EX was 706

 

Currently they are:

EQ 707 TU 700 EX 722

Message 3 of 11
Aduke1122
Senior Contributor

Re: AMEX Recon Help!

I think they sometimes like to see a bit more history bf approving with them
Message 4 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

Anyone have an address to send the recon letter?

Message 5 of 11
thummel
Established Contributor

Re: AMEX Recon Help!

Doing a recon with Amex is pretty hard in terms of getting the denial overturned. I would just hold off and let the new accounts report and build a little solid history first.
Message 6 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

Bump..

Still need an address. I've read somewhere to send the letter to the address on the denial letter. Is this my best shot?
Message 7 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

Call and ask to speak to a credit analyst about your app that should get you transferred not just saying someone in the credit department.
Message 8 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

You've already tried recon and it didn't work. Wait 6 months and re-apply. But congrats on the other approvals!

Message 9 of 11
Anonymous
Not applicable

Re: AMEX Recon Help!

Not true, i was denied all 3 off my aps. Got the Recon and got 

aporoved! Just call and try again. 

Good luck. 

But whats the wells fargo back door number?

Message 10 of 11
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