Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 123
Registered: ‎01-03-2008
0

Denied for Amex Blue

I looked online for the pre-approval screening and thought I'd give it a shot since my credit has been slowly rising. I recently opened an account at the CU which did an inquiry so I decided to do it at the same time.

TransUnion
648
Date: 4/15/2008
(over 1 month old)
Equifax
622
Date: 4/15/2008
(over 1 month old)
Experian
661
Date: 4/15/2008
(over 1 month old

Smiley Sad OH WELLZ. such is life Smiley Sad
Valued Member
Posts: 42
Registered: ‎05-07-2008
0

Re: Denied for Amex Blue

It's not the end of the world and having more credit cards generally makes you spend more than you would have if you just had cash. (There are exceptions and many probably visit this board Smiley Happy  )
I just recently opened a PenFed cc, making it my 4th cc in 9 years of being eligible for credit and don't plan to open another cc... ever!
 
Epic Contributor
Posts: 29,073
Registered: ‎10-23-2007
0

Re: Denied for Amex Blue

be sure to call when you get the letter and ask for recon.
they submit it down to credit department to review and they get back to you in another week or 2.
Contributor
Posts: 123
Registered: ‎01-03-2008
0

Re: Denied for Amex Blue

So they possibly reconsider? If there's a card that I'm "more applicable" for, would they possibly put me in with one of those?
Epic Contributor
Posts: 29,073
Registered: ‎10-23-2007
0

Re: Denied for Amex Blue

Amex blue starts at 2k limit minimum
Delta starts at 1k.
don't think you can go back and ask for different card, but you can for sure ask for a manual review.  Many of my friends have had success with recon. on amex blue with a 2k limit.
Established Contributor
Posts: 684
Registered: ‎05-02-2008
0

Re: Denied for Amex Blue



Creditaddict wrote:
Amex blue starts at 2k limit minimum
Delta starts at 1k.
don't think you can go back and ask for different card, but you can for sure ask for a manual review.  Many of my friends have had success with recon. on amex blue with a 2k limit.



Any thoughts on recon for the AMEX Gold?
CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682
Valued Contributor
Posts: 2,791
Registered: ‎03-18-2007
0

Re: Denied for Amex Blue



Creditaddict wrote:
Amex blue starts at 2k limit minimum


Not necessarily - I was just (barely) approved for Blue with a 1K CL a couple weeks ago.  FWIW.
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Epic Contributor
Posts: 29,073
Registered: ‎10-23-2007
0

Re: Denied for Amex Blue

good to know, thank you
Contributor
Posts: 88
Registered: ‎04-05-2008
0

Re: Denied for Amex Blue

[ Edited ]

Creditaddict wrote:
Amex blue starts at 2k limit minimum
Delta starts at 1k.

I'm pretty sure the CL range for Blue is from $1k to $100k.

Message Edited by LaserBlue on 05-27-2008 01:35 PM
Scores on4/8/10: TU 731 EQ 731
Unapologetic Amex fan
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Denied for Amex Blue



Creditaddict wrote:
be sure to call when you get the letter and ask for recon.
they submit it down to credit department to review and they get back to you in another week or 2.





I remember reading sometime recently that Amex had changed their approval standards so that supervisors can no longer reverse the approval decision.

Can anyone corroborate?
Here we go again...

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.