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Applied For The Amex BCP And Received 14 Day Notice

Moderator Emeritus

Applied For The Amex BCP And Received 14 Day Notice

I was a bit surprised by this and I'm not sure what it means. I just checked my reports at CreditSecure and I see Amex harded me. As expected I have one inq on my EX report. Some facts about my credit scores and reports.

 

FICO 08 scores: 850 for all three CRA's

26+ year credit history

AAoA 11 years

No inqs

Clean reports

I have an Amex Platinum card and a Clear card (25K CL). I have been doing business with them for a long time. Both cards have a member since date of 1988.

 

Any thoughts on what's going on? Should I call someone at Amex? If so, what's the number or backdoor number?

 

Thanks!

 

 

Message 1 of 90
89 REPLIES
Super Contributor

Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

I was a bit surprised by this and I'm not sure what it means. I just checked my reports at CreditSecure and I see Amex harded me. As expected I have one inq on my EX report. Some facts about my credit scores and reports.

 

FICO 08 scores: 850 for all three CRA's

26+ year credit history

AAoA 11 years

No inqs

Clean reports

I have an Amex Platinum card and a Clear card (25K CL). I have been doing business with them for a long time. Both cards have a member since date of 1988.

 

Any thoughts on what's going on? Should I call someone at Amex? If so, what's the number or backdoor number?

 

Thanks!

 

 


Hi fused

AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull)

 

As you know Amex can be weird sometimes but give it up to an hour check your email and if nothing ....give em a call

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 90
Valued Contributor

Re: Applied For The Amex BCP And Received 14 Day Notice


myjourney wrote:

fused wrote:

I was a bit surprised by this and I'm not sure what it means. I just checked my reports at CreditSecure and I see Amex harded me. As expected I have one inq on my EX report. Some facts about my credit scores and reports.

 

FICO 08 scores: 850 for all three CRA's

26+ year credit history

AAoA 11 years

No inqs

Clean reports

I have an Amex Platinum card and a Clear card (25K CL). I have been doing business with them for a long time. Both cards have a member since date of 1988.

 

Any thoughts on what's going on? Should I call someone at Amex? If so, what's the number or backdoor number?

 

Thanks!

 

 


Hi fused

AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull)

 

As you know Amex can be weird sometimes but give it up to an hour check your email and if nothing ....give em a call


I agree with the wait , it was the next day before my cousin knew anything and was approved

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 3 of 90
Moderator Emeritus

Re: Applied For The Amex BCP And Received 14 Day Notice

Thank you, Journey and -Wade-. I haven't apped for a CC in about 7 years. Back then, a 14 day notification wasn't always good news. I guess with Amex these days, the 14 day notification isn't necessarily the kiss of death.

Message 4 of 90
Valued Contributor

Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

Thank you, Journey and -Wade-. I haven't apped for a CC in about 7 years. Back then, a 14 day notification wasn't always good news. I guess with Amex these days, the 14 day notification isn't necessarily the kiss of death.


Yeah times do change. With your scores i would not worry

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 5 of 90
Moderator

Re: Applied For The Amex BCP And Received 14 Day Notice

I dont have any info for you on Amex, just wanted to say grats on your scores, I do believe you are the first one I have ever read about that has 850 across all 3. Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 90
Super Contributor

Re: Applied For The Amex BCP And Received 14 Day Notice


fused wrote:

Thank you, Journey and -Wade-. I haven't apped for a CC in about 7 years. Back then, a 14 day notification wasn't always good news. I guess with Amex these days, the 14 day notification isn't necessarily the kiss of death.


I also think your ok 

Sometimes for cardholders for some strange reason Amex does this but not always the kiss of death now a days seeing the 14 day message.

Good luck I'll be pulling for you.

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 90
Established Contributor

Re: Applied For The Amex BCP And Received 14 Day Notice

You probably input something wrong on your app by mistake.. I'm 100% sure you wont be denied, maybe they were just shocked to see a perfect score accross the board Smiley Happy

Message 8 of 90
Moderator Emeritus

Re: Applied For The Amex BCP And Received 14 Day Notice


-Wade- wrote:

fused wrote:

Thank you, Journey and -Wade-. I haven't apped for a CC in about 7 years. Back then, a 14 day notification wasn't always good news. I guess with Amex these days, the 14 day notification isn't necessarily the kiss of death.


Yeah times do change. With your scores i would not worry


I hope so!

Message 9 of 90
Moderator Emeritus

Re: Applied For The Amex BCP And Received 14 Day Notice


gdale6 wrote:

I dont have any info for you on Amex, just wanted to say grats on your scores, I do believe you are the first one I have ever read about that has 850 across all 3. Smiley Happy


Thanks! I was completely shocked.

Message 10 of 90