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03-16-2011 11:16 AM
Well I put in an app. for the amex blue cash card on March 15th and was immediatly denied
but after reading a great post here on myfico, I called the executive offices and had them take
a look at my app. on reconsideration. long story short i go back to the amex site and my app
status says approved. Im guessing the limit will be low , but with good utilization and paying it
in full every month I have no doubt my limit will go up. The only reason i even considered calling to have
it reconsidered was because i knew my credit was good (736) and i knew my other accounts with cap1
and hsbc were all either payed off or under 5% utlization. Plus the post that let me know they would take a second look
at my app was very very helpful. So if you know you've got a good score and other factors are posistive for you
and you get denied by amex dont be afraid to call and ask for a reconsideration.
03-16-2011 11:18 AM
03-16-2011 11:34 AM
Tks alot , im new credit so this amex card should look good on the report
Definitely and it shows up right on the top of the list of your accounts (alphabetically).
I am happy that recon worked for you. Please treat your card well and it will treat you well. Also note that if you were not instantly approved online, but were approved on recon, you may have something not-so-good on your profile which you may want to look at and address in future. Not necessary that there is something, but a good reason to look at your file to be sure.
Congrats on your great new card.
03-16-2011 12:03 PM
Yeah I pulled my file and score from myfico about a week ago, I believe on thing that held me back personnally
from getting instant approval with amex was a few to many inquirys. Which Im hoping they considered as me
just looking for the best card i could get.
03-16-2011 12:07 PM
Then you don't have much to worry. Just go easy on apping over time.
If you are looking to add another card a few months later, add it now (if possible) so that all the inqs can go to hell together later.
03-16-2011 01:33 PM
Congrats! I did the same thing, also with success!!!
03-16-2011 05:27 PM
03-16-2011 05:50 PM
Give it a day. Check online to see if it says Approved. If not, call the executive office # found here on threads in the last 2 days.
03-16-2011 06:05 PM
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