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Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

[ Edited ]
PFD's with HSBC do not exist. Trust me I tried everything. I just don't want it to Look like a 3 month old CO when it is a 6 year old CO.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

Any others want to chime in with their Amex apps?
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010

Re: AMEX Approval Scores

[ Edited ]

This is why I hate reading the amex threads LOL, Somewhere around here on the board I have a mile long thread involving my annual masochist need to be rejected by Amex.

 

I think I am a little early this year

 

I have no credit problems, 700's accross the board, and they deny me EVERY single time because of a record from my ex on Teletrack.

 

But after reading nine more pages of amex stuff, I said what the heck, get it over with early this year LOL.

 

I applied for the Blue, but this time I threw a twist in it, and went with a balance transfer at the same time.

 

 

Im still quite sure I will again be denied and my need for Amex rejection satisfied once again, but this time, it didnt immediatly go away looser LOL, it said we cant proceess your app in 60 seconds, we will notify you at your email address when finished,

 

I love these guys they now know how to increase the rejection factor....... make you wait for it LOL.

 

Ill let you know, but I already do. lol

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: AMEX Approval Scores


minimock wrote:

This is why I hate reading the amex threads LOL, Somewhere around here on the board I have a mile long thread involving my annual masochist need to be rejected by Amex.

 

I think I am a little early this year

 

I have no credit problems, 700's accross the board, and they deny me EVERY single time because of a record from my ex on Teletrack.

 

But after reading nine more pages of amex stuff, I said what the heck, get it over with early this year LOL.

 

I applied for the Blue, but this time I threw a twist in it, and went with a balance transfer at the same time.

 

 

Im still quite sure I will again be denied and my need for Amex rejection satisfied once again, but this time, it didnt immediatly go away looser LOL, it said we cant proceess your app in 60 seconds, we will notify you at your email address when finished,

 

I love these guys they now know how to increase the rejection factor....... make you wait for it LOL.

 

Ill let you know, but I already do. lol


Fingers crossed for you buddy!!!!!!!!!!!!!:smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: AMEX Approval Scores

I got the same message, go check your application status online.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010

Re: AMEX Approval Scores

Still says in progress, I imagine the big "DECLINED" will come Monday lol :smileyhappy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011

Re: AMEX Approval Scores

[ Edited ]

I PULLED THE TRIGGER TOO! uggh..

 

I Knew I shouldnt of tried - If I was going to try it should of been yesterday morning before my lil shopping spree ( I was very succesful).  But I read this thread and thought..oh well..what the heck, let me give it a shot.  My experian had more inquiries than my others - that's why I only really applied for GE stuff yesterday since my TU was pretty nice.  I doubt I'll get this card since I have a repo on my account from 3 yrs ago.  But thought I'd share!

 

Your application will be processed as soon as possible, and we will notify you of the decision by mail within 14 days.

For an update on the status of your card application, please click here to go to our online status site.

Thank you for applying for the Zync from American Express

 

Thank you for providing American Express consent to communicate your decision details electronically.You will receive an e-mail with a link to the decision details as soon as a decision is made. 

ZYNC(SM) FROM AMERICAN EXPRESS   In Progress

 

   

Hoping to get the ax early! so I stop and garden FO REAL

Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

Good luck getting those cards. I know I've been waiting for the right time to app but it's hard to not just pull the trigger at any given moment. Having a thread like this is hopefully helpful to others on the fringe of getting an Amex.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: AMEX Approval Scores


payingoffdebt001 wrote:

I PULLED THE TRIGGER TOO! uggh..

 

I Knew I shouldnt of tried - If I was going to try it should of been yesterday morning before my lil shopping spree ( I was very succesful).  But I read this thread and thought..oh well..what the heck, let me give it a shot.  My experian had more inquiries than my others - that's why I only really applied for GE stuff yesterday since my TU was pretty nice.  I doubt I'll get this card since I have a repo on my account from 3 yrs ago.  But thought I'd share!

 

Your application will be processed as soon as possible, and we will notify you of the decision by mail within 14 days.

For an update on the status of your card application, please click here to go to our online status site.

Thank you for applying for the Zync from American Express

 

Thank you for providing American Express consent to communicate your decision details electronically.You will receive an e-mail with a link to the decision details as soon as a decision is made. 

ZYNC(SM) FROM AMERICAN EXPRESS   In Progress

 

   

Hoping to get the ax early! so I stop and garden FO REAL


Fingers crossed for you too!!!!!!!!! Man.................i need to leave this thread ASAP before I get a "Decision Part Deux" going off earlier than planned!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011

Re: AMEX Approval Scores

screw amex. denied 3 times on the zync card,  first time my EX score was 642, 2nd time 678 3rd time 697

 

All three times my Util was below 10% and they stated that as one of the reasons, the other 2 reasons were too many INQ's (3 out of 7 being amex >_<) and high balance on installment loan (which is a student loan on deferrment)

 

Grrrr.. i'm not applying till atleast july.. maybe a bday present for myself


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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