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Amex BCE denied automatically........ Recon or give up?

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EmmyWannabeOrman
Contributor

Amex BCE denied automatically........ Recon or give up?

I know, I know..... I was warned not to apply and garden, but I saw so many recent approvals for this card especially with baddies, so I pulled the trigger and it blew up in my face. My EX has one baddie as of now (t-mobile collection that was just put on my credit report last month.) I have auto loan history with 2 years of perfect payments and my oldest credit cards are 14 months old with perfect payments. I do have a bunch of inquiries and I did open a bunch of accounts last year. Back to the garden I go. I saw Amex approvals with baddies, with no credit history, and even Citi cards being approved with baddies.... so confused! Should I recon for Amex????! I should have listened to you guys *sighs.* 

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500
Message 1 of 34
33 REPLIES 33
gdale6
Moderator Emeritus

Re: Amex BCE denied automatically........ Recon or give up?

Might as well not waste the HP, recon it. FWIW with a new collection not good idea to app.

Message 2 of 34
EmmyWannabeOrman
Contributor

Re: Amex BCE denied automatically........ Recon or give up?

I know. I wasnt thinking lol

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500
Message 3 of 34
Kenny
Moderator Emeritus

Re: Amex BCE denied automatically........ Recon or give up?

I thought the only way to recon the App with Amex was to send in a copy of your report.. and it almost always results in another HP... ?
Message 4 of 34
09Lexie
Moderator Emerita

Re: Amex BCE denied automatically........ Recon or give up?


@KennyS2006 wrote:
I thought the only way to recon the App with Amex was to send in a copy of your report.. and it almost always results in another HP... ?

Correct. Amex will recon IF there was an error on the credit reort they pulled.  Asking for a recon without a corrected report, will result in another denial and possibly a hp

Message 5 of 34
Vegas247
Established Contributor

Re: Amex BCE denied automatically........ Recon or give up?

Smiley Embarassed

Wow....I gave you good vibes too....so sorry. Just keep making on time payments....

$600 Barclaycard® Rewards MasterCard® - Average Credit $6500 Blue Cash Everyday® Card from American Express $30k credit card16k Chase Freedom® - $200 Bonus12k VSiggy
Message 6 of 34
baller4life
Super Contributor

Re: Amex BCE denied automatically........ Recon or give up?

Sorry about the denial. Try to fix that new baddie and try again in 6 months.

Message 7 of 34
EmmyWannabeOrman
Contributor

Re: Amex BCE denied automatically........ Recon or give up?

Awww thanks for the good vibes, I'll just super garden ! 

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500
Message 8 of 34
EmmyWannabeOrman
Contributor

Re: Amex BCE denied automatically........ Recon or give up?

Will do Smiley Happy

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500
Message 9 of 34
HeilFico
Regular Contributor

Re: Amex BCE denied automatically........ Recon or give up?

No offense, but with a derogatory that fresh it was DOA before the CRA even recorded the pull. 

Message 10 of 34
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