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Denied for Amex Blue

Contributor

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
Message 1 of 24
23 REPLIES
Valued Member

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!
 
Message 2 of 24
Epic Contributor

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.
Message 3 of 24
Contributor

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?
Message 4 of 24
Epic Contributor

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.
Message 5 of 24
Established Contributor

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
Message 6 of 24
Valued Contributor

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
Message 7 of 24
Epic Contributor

Re: Denied for Amex Blue

good to know, thank you
Message 8 of 24
Contributor

Re: Denied for Amex Blue


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
Message 9 of 24
Senior Contributor

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...
Message 10 of 24