Done with Amex

[black_citi]

Well this is new to me. I apped for the Delta Gold and got approved last month and now im wondering if i got hp. I already have the BCE card which I've had since October last year. They won't give me a CLI on my bce because I've only been with them 6 months.

[kdm31091]

While I can appreciate your frustration, I see nowhere where Amex stated that "SP if declined" is the rule. That's really just an anecdotal thing carried along on here and it has no basis in an official Amex policy. While it is typically how it works, anytime you are applying for a new credit line, whether with an issuer you already have or not, you should anticipate and expect a HP. Any other card you applied for (i.e. outside of Amex) would have required a HP anyway.

While I'm not quite sure that this event qualifies (IMO) being "done with them", it's up to you, and best of luck.

[C6Guy]

As far as my credit history it's not long roughly around 3 years rebuilding. I have over 50K in credit and only using 5K of it. That 5K is spread out through my credit union card, it and sallie and freedom. My cu showed 700/3000 my discover was showing 700/2000 balances and my sallow mae 1800/4000 freedom 800/3500 these are all at 0% financing. I have my cap one 0/10,000 and I have my sallie as recent cards. That might be it. I did have a bunch of inquires in 07/2013 for a car loan maybe that. Haven't missed a payment since I rebuilt. What is the recon number I will call today. But in general that's why I'm like wth?

[C6Guy]

Also KDM it isn't just the decline that's made me want to be done wkth them it's the annual fee on a card I don't use. I was on the fences and this just pushed it over.

[ojefferyo]

---

@C6Guy wrote:
Also KDM it isn't just the decline that's made me want to be done wkth them it's the annual fee on a card I don't use. I was on the fences and this just pushed it over.

---

Get a card W/O an AF

[dethkultur]

Before giving up completely... call for a recon on the revolver. Call 3 times if you don't get the answer you want, as a current customer in good standing you ccan make a good case, and make the HP mean something.

Then by all means close the Green card.

[grinlikechelsea]

---

@dethkultur wrote:

Before giving up completely... call for a recon on the revolver. Call 3 times if you don't get the answer you want, as a current customer in good standing you ccan make a good case, and make the HP mean something.

Then by all means close the Green card.

---

I would be cautious with an AmEx recon because they usually HP again and unless there was an issue with the credit report they pulled previously, then the decision probably won't change.