Credit Cards Center Credit cards from our partners
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

Take the FICO Fitness Challenge
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

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.