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Posts: 16,374
Registered: ‎03-12-2007
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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!

 

 

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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Posts: 26,874
Registered: ‎02-07-2013
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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



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Valued Contributor
Posts: 12,906
Registered: ‎08-13-2013
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Re: Applied For The Amex BCP And Received 14 Day Notice

[ Edited ]

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

Old user name newportguy*** Current Score: myFico EQ - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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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.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Contributor
Posts: 12,906
Registered: ‎08-13-2013
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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

Old user name newportguy*** Current Score: myFico EQ - 828 (03/11/2015) Discover TU Fico - 826 (03/03/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 828 *** TU 826 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
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Posts: 18,963
Registered: ‎12-13-2013
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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. :smileyhappy:

EX Fico 08 BC 04/15: 790 (0); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 04/15: 757 (0)
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Posts: 26,874
Registered: ‎02-07-2013
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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.



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Established Contributor
Posts: 529
Registered: ‎06-19-2014
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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 :smileyhappy:




Starting FICO Score:532
Current FICO Score:739
Goal FICO Score:750

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Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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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!

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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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. :smileyhappy:


Thanks! I was completely shocked.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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