Reply
Established Contributor
jamie123
Posts: 906
Registered: ‎03-22-2012
0

Re: Gunning for Amex today

Mail in the verification!

 

Sounds to me like you are approved except for that!

 

The reason they are asking for proof of address is a fraud deterent. They are making sure someone didn't steal your identity and is now applying for credit cards with it. When you apply for new credit cards back to back it sometimes triggers this fraud alert function.

 

Good luck!



Starting Score: EQ 658 6/18/12
Current Score: EQ 690 11/17/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge

Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

I did explain to the rep that I was just approved for Zync, out of his garbled foreign accent response(really annoying by the way, ive yet to get that from Discover or USAA, or Barclays for that matter) I managed to pick out "fraud acitivity", I asked if there was something I could fax over he rudely replied it has to be sent through the mail.

 

While I understand it might trigger a fraud alert, why would you say we arent going to issue your BCE card right now because we beleive there may be some fraudukent activity happening,but, we're going to go ahead and mail a different credit card to that name and address anyways!

 

I ended the call rather abruptly when I inquired to the address to mail the stuff to and got a tone that I was bothering this person, it seems he relunctantly gave me the address but unfortunately I couldnt understand him, after several attempts to get the correct address I thanked him and ended the call. I'll call back today and get the address.

 

While saving a hard pull later is obviously a good thing, Im still wondering if the backdating is of more value to me. Im also curious as to if this means they approved it pending verification or if they truly cant complete the approval process without verifying my address first? Thoughts?

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Established Contributor
jamie123
Posts: 906
Registered: ‎03-22-2012
0

Re: Gunning for Amex today

They didn't tell you that you were approved except for that, but they also didn't say you were declined, did they?

 

Call CS for the address today. Get it in the mail!

 

You are approved! You just don't know it yet!

 

Quit with asking about the fax, they need to receive it by USPS.



Starting Score: EQ 658 6/18/12
Current Score: EQ 690 11/17/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge

Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

Also just found out they pulled all 3 reports, OUCH!

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Gunning for Amex today


DVH1980 wrote:

Also just found out they pulled all 3 reports, OUCH!


Well now you need to take action. Give them what they are looking for and I feel you will be approved.

 

Again, you have nothing to lose at this point.

Ray

** Every Card has a Job, and Every Card does its Job **

Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

Yep, on the phone as I type this. The rep is much more helpful and is attempting to verify my address by contacting my bank so hopefully I can avoid having to mail anything and get answer immediately......stay tuned

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Frequent Contributor
Razeus
Posts: 395
Registered: ‎04-02-2012
0

Re: Gunning for Amex today

I'm finding this whole ordeal entertaining. :smileylol:

My Wallet:
Discover It $14,300 | Chase Sapphire Preferred $7,500 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

Able to verify, waiting on the system to make the decision........

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

[ Edited ]

System is "taking a while, may I place you on hold for a few minutes?" sure....(biting nails)

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Contributor
DVH1980
Posts: 255
Registered: ‎08-24-2011
0

Re: Gunning for Amex today

and.....Approved. She couldnt tell me the exact limit but the system was prompting to somehwere in the 1k range. I'll take it.

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}