Amex BCP denied :(

[HiLine]

When I got approved for my first American Express card which was a credit card, I had a card reporting 100% utilization, so 52% utilization on one card is probably not the reason for denial. Amex doesn't like baddies though...

[sdotlow]

I just got approved with 4 inquiries listed and a card at 40% util (but only 15% of total CL util).  No baddies ever though.

[yudeology101]

Does AMEX want the tax info 100% of the time?   I'm curious. 

[youngandcreditwrthy]

Amex is such a mixed bag for folks.
I barely have a 700 exp(it's my lowest) and I've managed to get a BCE and Delta Gold with that score. Hmmmm

[youngandcreditwrthy]

Same for me hiline! I had two cards maxxed when approved for BCE and even a 4 year old baddie, but my overall util was way <15%

[parakleet]

Wow. It almost feels like there's no rhyme or reason to their decisions. Maybe we'll call the EO on Monday. Not expecting anything but doesn't hurt to try. I don't have a problem with sending in tax stuff to verify the income so am curious if that was the main reason for the denial. More likely, it was a combination of things.  

[parakleet]

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@myjourney wrote:

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@parakleet wrote:

Thanks guys. Yeah, it was kind of a let down. Oh well. I think we'll just wait until we get the letter. Just gets me more motivated to get our debt down! Thank goodness it's at 0% apr for a while. 

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You know we have your back 

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Thanks myjouney! I know you guys understand the frustrations. 

[Open123]

It's most likely income verification, but if not this time, then just apply again after 30 days.  Amex doesn't mind frequent applications with them. In some cases, they even encourage it.

Good luck!