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Amex Mercedes benz call for instant decision? Why?

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Anonymous
Not applicable

Amex Mercedes benz call for instant decision? Why?

So after being approved yesterday for blue cash everyday card with a small $1K limit I decided today to apply for the mercedes Benz credit card (since I own my lovley AMG) I WAS given this decision that I needed to call for instant decision.

 

Screenshot_2016-05-29-11-46-52_1.jpg

 

I gave them my top honesty to my income assests and retirement account. I have only one name, one adress, one phone number, one Social Security & DOB, and one employer reported on all three Credit bureaus there should be no frauds I dont understand is this better than denial or same thing anyone with similar issue

33 REPLIES 33
DoroLucky
Valued Contributor

Re: Amex Mercedes benz call for instant decision? Why?

My first 2 AMEX apps were instant back to back approvals over a year ago. Didn't have to call, same HP.

However my last 2 (in March) weren't instant and they were back to back as well. Each time I got the 7-10 days message and when I called in, I was told they needed to verify. Was approved both times after verification. Same HP also.

I wouldn't worry, just call them. Good luck!

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 2 of 34
Creditplz
Valued Contributor

Re: Amex Mercedes benz call for instant decision? Why?

I got that message and was denied some months ago.. They're based in India and very hard to understand...
Message 3 of 34
DoroLucky
Valued Contributor

Re: Amex Mercedes benz call for instant decision? Why?

Lol well I've never applied for the MB card
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 4 of 34
UncleB
Credit Mentor

Re: Amex Mercedes benz call for instant decision? Why?

Last year I did a Green and BCP back-to-back and both were instant-approved.

 

Fast-forward to last week and I applied for a Delta Gold which was instant-approved, then I went for a PRG which gave me the message "We need you to call". 

 

I had a bit of a difficult time getting through to them, but once I got to a CSR it was approved.  It appears that recently they've been asking many of us to call in for a second app, even if it's not the same card type (which in the past didn't require a phone call). 

 

Note that several people have reported that applications for two revolvers still require five days between approvals. (This doesn't apply to the OP in this thread; I'm just sharing for anybody else that it might apply to.)

 

OP, good luck on your application!  Smiley Happy

Message 5 of 34
thummel
Established Contributor

Re: Amex Mercedes benz call for instant decision? Why?

If you only got approved for 1K from them for your Blue cash card I wouldn't have applied for anything else as your pretty close to a borderline approval. Of course anything can happen but I would be really suprised if you got approved. Best of luck though!
Message 6 of 34
RonM21
Valued Contributor

Re: Amex Mercedes benz call for instant decision? Why?

OP, did you ever call?


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 7 of 34
Anonymous
Not applicable

Re: Amex Mercedes benz call for instant decision? Why?

Yes I called and the automated system said that their closed for memorial holiday.
Message 8 of 34
Anonymous
Not applicable

Re: Amex Mercedes benz call for instant decision? Why?

Thummel this my credit score Screenshot_2016-05-30-11-13-24.png

Message 9 of 34
B335is
Moderator Emeritus

Re: Amex Mercedes benz call for instant decision? Why?

It sounds like verification because of the two apps so close together. If it was a denial 99% they wouldn't ask you to call.
Message 10 of 34
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