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New Member
Posts: 12
Registered: ‎07-14-2010
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How long should I wait to apply AMEX again after rejected?

Tried to apply for the starwood card a month ago but get rejected. After check my credit report, the worst part is my debt ratio ( almost 90% at that time). Now I paid back all the debt but don't know when it would reflect to my credit score. When should I try to apply for that card again? Thanks.

Valued Contributor
Posts: 1,291
Registered: ‎05-13-2010
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Re: How long should I wait to apply AMEX again after rejected?

I'd say 90 days.  You only need to wait 30 days between apps for Amex not to cancel any new apps, but give it time for it to post to your report and your FICO scores to reflect it.

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $21.5k/11.99%
New Contributor
Posts: 51
Registered: ‎05-14-2010
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Re: How long should I wait to apply AMEX again after rejected?

I was denied BlueSky then applied for Delta Gold a month and a half later and approved


Starting Score: 730
Current Score: 724
Goal Score: 760


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New Member
Posts: 12
Registered: ‎07-14-2010
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Re: How long should I wait to apply AMEX again after rejected?

 


thejollyroger wrote:

I was denied BlueSky then applied for Delta Gold a month and a half later and approved


Why people like BlueSky? I own it for a year and find nothing special Smiley Happy

 

New Member
Posts: 12
Registered: ‎07-14-2010
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Re: How long should I wait to apply AMEX again after rejected?

 


smc733 wrote:

I'd say 90 days.  You only need to wait 30 days between apps for Amex not to cancel any new apps, but give it time for it to post to your report and your FICO scores to reflect it.


So it takes up to 90 days to update my empty balance?

 

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: How long should I wait to apply AMEX again after rejected?

There is a lot a variation in timing of reporting.  You could pull your report after 30 days and see.   Pull Experian, that is what AMEX checks first.

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