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Established Member
Posts: 20
Registered: ‎02-13-2012
0

Amex Decline, but happy with Ex Fico Received!

I decided to join the masses and app for an Amex revolver after the first of the year. I have the NPSL Zync currently and wanted the backdating. Unfortunately, I got an auto decline on the Gold Delta Skymiles card. I'd had my Zync since March of 2012. My utilization was probably around 30% when they sp'd me (according to the letter on 12/15) and I've had a few inquirys since getting the Zync. I figured I'd just wait til march when my utilization is lower and try again.

 

I got the decline letter today and two of the reasons listed are My FICO score and length of time I have been a customer with Amex is too short (I've not seen that one too often with Amex.) Good news is, they report my Ex Fico as a 700!! That makes me super happy!! Smiley Happy Hopefully it's gone up even more because my utilization is down to about 17% now.

TU98 FICO: 659 as of 03/01/2012,TU08 Walmart: 677 as of 03/29/2012, EQ FICO: 637 as of 03/24/2012, EX FICO: ???
GOAL: 700 Club
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Amex Decline, but happy with Ex Fico Received!


bturner9697 wrote:

I decided to join the masses and app for an Amex revolver after the first of the year. I have the NPSL Zync currently and wanted the backdating. Unfortunately, I got an auto decline on the Gold Delta Skymiles card. I'd had my Zync since March of 2012. My utilization was probably around 30% when they sp'd me (according to the letter on 12/15) and I've had a few inquirys since getting the Zync. I figured I'd just wait til march when my utilization is lower and try again.

 

I got the decline letter today and two of the reasons listed are My FICO score and length of time I have been a customer with Amex is too short (I've not seen that one too often with Amex.) Good news is, they report my Ex Fico as a 700!! That makes me super happy!! Smiley Happy Hopefully it's gone up even more because my utilization is down to about 17% now.


You were declined with a 700???? Geez!!


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GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

try again in 6mo, and you'll be good.
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Amex Decline, but happy with Ex Fico Received!

 

Congrats on hitting the 700 club !   And it was a soft inquiry, so that's good news too Smiley Happy    AMEX approvals can be quirky ~ I have seen many denials from them with FICO scores over 700.

 

Keep trying with AMEX and I'm sure you'll get that Delta revolver card soon.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

good point on the SP
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

[ Edited ]

I was declined as well, with 1% util, although my app was only a couple months after my 1st AMEX. My prob. was too many inqs in the past year 3,  2 lates from 5+ years ago, owing too much on loans (a little over 12k at that point but my CR said 20k--this has since been corrected, my loans were showing twice on my CR).

 

Just give it some time and I'm sure they'll say yes again. I was just approved for the 3x CLI after they denied it 3 or 4 times when I was only asking for 1k more. AMEX is weird but I'm sure I could get another card, just don't want to right now. I'm waiting until either Jan 2014 or July 2014. 

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

No harm with a SP and GRATS for hiting the 700 club!! Smiley Very HappySmiley Very Happy

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Member
Posts: 20
Registered: ‎02-13-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

Thanks everyone.....that's what I thought too....only a sp and I got the elusive Ex Fico!!Smiley Wink

TU98 FICO: 659 as of 03/01/2012,TU08 Walmart: 677 as of 03/29/2012, EQ FICO: 637 as of 03/24/2012, EX FICO: ???
GOAL: 700 Club
Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
0

Re: Amex Decline, but happy with Ex Fico Received!

You should've tried to apply yesterday night - it seems that Amex underwriting engine has been tweaked in a way to allow as many new customers as possible :-)

Just kind of j/k :-)

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Valued Member
Posts: 65
Registered: ‎12-30-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

[ Edited ]

I don't know if they were that trigger happy last night. After my instant approval for the BCP, I got denied for the PRG with an over 700 credit score and 8% utilization. I think I've had too many inquiries lately (7 in less than a month).

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