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Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
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Re: Amex ... pending ... boom! ... approved ... HUH?


RSCo wrote:

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  Smiley Happy Smiley Happy  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

Congrats thats the one im gardening for 

+ Chase ink =




Moderator Emeritus
Posts: 11,991
Registered: ‎12-30-2011
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Re: Amex ... pending ... boom! ... approved ... HUH?

I had the same experience, Pending, check App Status site a bit later, and approved.

 

There wasn't any additional pulls on any other bureau (I actually checked with how absurd I thought the approval was), but there may be another level of computer review done on accounts don't pass the initial sniff test for whatever reason.  Likewise it could be some strange bug, but it's a common enough occurrence and mentioned so often on various forums including ours, one would think they'd be aware of it if it were indeed unintentional.

 

Regardless, congrats!

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
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Re: Amex ... pending ... boom! ... approved ... HUH?

[ Edited ]

Congrats! I just got both Amex cards in the mail today. I got the Delta Skymiles and the BCE. When I applied for the Delta card I got the 7-10 day message, immediately checked the status site and it was approved. I also only got Ex pulled. Five days later I applied for the BCE and got a message that in order to be approved, I had to call customer service and talk to them. Unfortunately it was a Friday night, so I could not talk to them until Monday. When I talked to them they said that they were able to approve me and just needed me to verify my ss # and address, and they needed to read me a disclosure -- then they overnighted me the BCE. What a great day.... Congrats recent approvees! Enjoy!



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Member
Posts: 87
Registered: ‎11-28-2012
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Re: Amex ... pending ... boom! ... approved ... HUH?

I doubt its a bug in their system, prolly garden variety latency in data processing.

 

I had to wait 24 hours for approval.  Just got a mailer today saying my score was 729 via Experian with a long list of things that make me a risk. But still, I have a BCE en route standard mail for $2000 which I plan to spend on Valentine's flowers for my high maintance girlfriend! LOL j/k

Walmart TU Score 740
Chase Freedom($5000); CitiThankYou Preferred($5000); GEWM Discover($3500); Walmart Store($1300); AMEX Gold; AMEX BCE($6000); GE Discount Tire($1500); Mor Furniture ($4700);Cap1($750)
Regular Contributor
Posts: 159
Registered: ‎08-28-2007
0

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

Is there another Amex card u desire?..now is the time to get it and only take one HP...Congrats!

Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

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

Congrats on your approval!

$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

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

When I applied for BCE the momentary delay happened to me also. I checked the status page maybe a minute after apping and it was approved. Called in and got my CL which was $5400. When I got my paperwork in the mail my EX FICO was stated at 712.

 

I think its a glitch in their system and not a case of "borderline applicant". I wouldn't consider myself as an borderline applicant since my initial CL was $5400, and although my EX FICO was "only" 712, I've seen lower FICO applicants get approved for this card.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Regular Contributor
Posts: 177
Registered: ‎06-03-2009
0

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

".. (didn't even seriously resist)..."    Smiley Very Happy Loll  I hear ya'   Congrats on that AMEX Gunnar419!

________________________________________________________________________________________________
I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Valued Contributor
Posts: 1,701
Registered: ‎01-23-2013
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Re: Amex ... pending ... boom! ... approved ... HUH?

[ Edited ]

HindSight_20_20 wrote:

".. (didn't even seriously resist)..."    Smiley Very Happy Loll  I hear ya'   Congrats on that AMEX Gunnar419!


Smiley LOL It's really funny; I never felt a lot of temptation to apply for credit before I came here. Had one card, and only one card, for nearly 15 years. Got one other low-limit card a few years ago. Never once asked for a CLI on either. Then I come to the MyFico forums and I read about instant approvals and backdoor numbers and which card is best for what and ... I'm ruined.

 

Or improved, as the case may be. But hooked, definitely.

 

Thanks all for the congratulations and all the good advice.

 

Now I really am returning to the garden.

 

Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

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

lol, +1



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
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