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Heck, I'd even call the backdoor number now...they should be able to tell you what's up.
I'd definitely try for a recon.
I'm really interested in what they'd have to say. Your late is from 6 years ago but your score seems rock solid, so it's not like there is a smoking gun as to why you were denied... other than maybe utilization. I'd definitely be interested in hearing what they had to say.
And worst case scenario, I'd be looking at the CSP. That card is beastly.
Follow my financial journey: http://www.frugalrican.com
@injustifiiable wrote:Heck, I'd even call the backdoor number now...they should be able to tell you what's up.
I agree 100%, if I had those credentials and was denied, I would be be on the phone until I received an acceptable explanation. I understand that they can lend to whomever they choose, but I, like some others suspect that this is a computer anomaly. When you talk to someone in on their recon # who realizes that there was a glitch in their system, make sure that they thank you for helping them find it. ;-)
The only reason that I can think of that you would be denied is little/no income or blacklisted due to a prior AMEX relationship gone south.
Good luck and let us know how it goes.
Yes, agreed, I'd be calling right now.
Follow my financial journey: http://www.frugalrican.com
subscribing due to the fact that the op has one heck of a credit profile and there is little to no reason why it shouldve been denied. the util is maybe but what else? income? the lates from way back when? def worth going for a recon! op good luck
Thanks, guys! I re-checked my FICO score, and it went down almost 30 points because of the credit utilization. Apparently, the report takes a while to catch up with the actual account usage.
Anyway, I'll just wait for the letter (and my score to catch up again) before calling them. Either way, I'll let you guys know what happens.
Also: my income is above average, and I have no bankruptcies or anything serious on my report. That single 30-day was the only delinquency on there.
I've never dealt with American Express before in any way, aside from a couple gift cards.
The utilization has got to be the only thing, then. It's just too bizzare if there's anything else.
You should give them a call now...haha. No need to wait for the letter really...they can pull up the app and tell you the deal. They can then do manual review of CR.
Amex is known to occasionally pull additional info from specialty CRAs, not just the big 3. But if they reject you because of that they will tell you what CRA they used.
criminal record?
I've been getting hot-to-app for BCP but after reading this thread I know I'm going to get dinged and will therefore pass