Got an itch today... and AMEX didn't scratch it.

[I-got-it-finally]

Thanks. I'm so inspired by what I  see and read here. Without sounding corny. "I want to be like many of you when I grow-up".

As I stated earlier, I pulled the trigger too soon. I also made the  mistake of applying and getting approved, for the Matrix card. I now know its not the best and I'm not sure how or if I should get rid of it. UGH! 

Oh to be a young grasshopper

[I-got-it-finally]

Ok... so I couldn't wait for the letter.....

I called to find out the reason.(... Like I didn't have an idea)  and I spoke to a CSR who said.. "Your score, which was pull through Experian was too low at 629"

After some of the replies from my posting, I realize that score is WAY too low and trying later is a better option.  Thought I would share the news.

Thanks for all the great input.

*On to the garden.... to live vicariously through others

[drewrico]

What amex preapproval site are you talking about?

[I-got-it-finally]

 Hi I wasn't approved. I used  the AMEX  link/site  to see if I had any offers.

[09Lexie]

Can you provide the link? The Amex pre approval site has been missing for a few months.

[Open123]

---

@I-got-it-finally wrote:

I called to find out the reason.(... Like I didn't have an idea)  and I spoke to a CSR who said.. "Your score, which was pull through Experian was too low at 629"

---

This score is actually quite close for the approval range for a charge card.  Though, keep in mind the score may be less meaningful to Amex than other lenders.

[I-got-it-finally]

Thanks for the positive feedback, . I'm working to get  it higher

[indiolatino61]

Sorry to hear that. Denials are a stab in the heart!!!

[Djamescarter]

I had the itch recently as well, app'd for the BCE and denied with a 723 score ... Ugh

[I-got-it-finally]

 UPDATE( Hopefully this will be helpful to others)

The official letter came in yesterday and the information stated as follows:

Thank you for your recent application for SPG credit card from American Express(etc, etc)

Reason for our Decision:

• Your FICO score(see below)

We obtained your FICO score from Experian and used it in making our credit decision( etc, etc) In March 24, 2013. Your score was 626. The following are the key factors that contributed to your FICO score

• Serious delinquency, and or public record or collection file.( I have one baddiehttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Need-help-with-a-couple-of-baddies/m-p/199276...

• Proportion of revolving balances to revolving credit to high- I'm an authorized user on two of the higher utilized cards, i.e. Sears and First Premier. My personal cards have a  total utilization of about 15%.

• Lack of recent installment loan information- How bad is this?

• Length of time accounts have been established( oldest reported is the AU Sears account @ 22years- overall under 2 years- although credit karma states 4+)

 I do have a few questions.

• I realized that I went for the big guns with the SPG, but what could have been the outcome on a "lesser" Amex card with that score.( If their is such a thing)

• Should I recon- for a diffrent card?( I already think I know the answer- just hardheaded and need to see it in writing

• Should I remove myself as a AU on any of the cards listed?

Well their you have it.

As always thanks!