American Express Apology Letter?

grigorexxxcore · ‎02-02-2012

Hello everyone!

I applied for an American Express Mercedes Benz card (I had high hopes I was going to be approved, my credit was/is pretty good!) and I was later declined.

However, today I received this letter,

Hi grigoreexxxcore,

I deleted the picture of the letter because is showed the full name of an employee. You're welcome to re-post that picture after masking the name.

MarineVietVet, myFICO moderator

Does this mean that I was most likely supposed to be approved but due to their error, I was declined?

Thank you!

drsmith · ‎02-02-2012

It means your app never went through and no decision was rendered.

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redwalker2929 · ‎02-02-2012

I think your application was one of many that they discovered to have a problem during processing. If your willing to take another inquiry, I say go for it!!!

LS2982 · ‎02-02-2012

@drsmith wrote:
It means your app never went through and no decision was rendered.

+1

I would fight to have the original INQ removed so you can reapp!

EQ FICO 548 3/3/16

pizzadude · ‎02-02-2012

That card has a hefty AF right ? I can't see the letter anymore but it sounds like they want to you try again.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

dharalex · ‎02-02-2012

I can't imagine you have an inq in the first place. If it was processed, they shouldn't have done an inq, right?

Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
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Current Score: 800
Goal Score: 850

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LS2982 · ‎02-02-2012

@dharalex wrote:
I can't imagine you have an inq in the first place. If it was processed, they shouldn't have done an inq, right?

You would think there would be no INQ if it did not get processed at all. If there was i'd be on the phone with a supervisor.

EQ FICO 548 3/3/16

grigorexxxcore · ‎02-03-2012

@dharalex wrote:
I can't imagine you have an inq in the first place. If it was processed, they shouldn't have done an inq, right?

Sorry for the late response, I was actually surprised when no INQ was on my report. I have Citi Identity Monitor and it never alerted me of a new INQ. I was always puzzled about why I never got an INQ (with my luck), and thought it was a 'soft pull' but I guess it turns out it never got 100% processed. I guess it's good news since it carries a big AF, like pizzadude said. I'm planning to apply for the Blue Cash Everday anyways, I guess it was a sign that I'm going to be approved for a BCE!

pizzadude · ‎02-03-2012

Yeah the BCE is a good rewards cards, so is the BCP If you use it enough of justify the AF.

The benz card looks great but seems like the best benefit is the 6X points for MB dealership purchases, and unless you drive a benz it prolly wouldn't make sense.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

grigorexxxcore · ‎02-03-2012

@pizzadude wrote:
Yeah the BCE is a good rewards cards, so is the BCP If you use it enough of justify the AF.

The benz card looks great but seems like the best benefit is the 6X points for MB dealership purchases, and unless you drive a benz it prolly wouldn't make sense.

That's true, and I do but I'm not always making purchases at MB so I kind of figured I would rather just pass on the card and get a card for 'Everyday' purchases.

I'm still debating between the BCE and BCP, I might first stick with the BCE and then hopefully do a product change?