Regular Contributor
Posts: 176
Registered: ‎04-19-2011

AmEx question...

I applied online for an AmEx Zync card. The 60-second credit approval said I was denied, but it said "However you are approved for.." and it had the zync card with a low limit and a required monthly draft of the entire balance, which I am fine with. I clicked accept and it said my app was being sent for further review. An hour later it came back as denied.


I checked the post that has the backdoor numbers and the two for AmEx don't apply to me. I am annoyed because it denied me the Zync but said I was "approved" for this other one, only to turn around and be denied.


Is there a backdoor number I can call and ask for a reconsideration? I just want to get my foot in the door so I can have a year of on-time payments and then ask for something better. Any help is appreciated...

03/19/2011 EQ: 627 EX: 602 TU 590 (lender pull) 07/16/2011 EQ: 646 EX: 629 TU 647 Fell off the wagon in 2012. Starting over in 2013.Current Score: 01/07/2013 EQ: 646 EX: ??? TU 608 Goal Score: 700 club

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Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011

Re: AmEx question...

Call the "New Accounts" dept......




They can pull up your app and send it to another dept for further review.


Best of Luck!

Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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