How to get AMEX?

[john08135i]

I've recently applied for two seperate AMEX cards..both instant decline..why is it so hard to get one? I really want it for the insurance and warranty benefits.

I have many other great cards already and all have always been in perfect standing. Some are 5 figure CL. and my proven salary is 6 figures +.My score is not very high but all my credit is perfect and has been.

also two of these are joint ..rest are single owner no signers.

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[09Lexie]

What were the reasons for decline?
FICO scores?
Util?
Baddies?
AAOA?
Inq's?

[john08135i]

I havent received the letter yet. I called recon and they said i must wait for letter. For my goals that is my last card i want. I have had many loans and current is BMW again with .09%. I have had 7 car and boat loans in the past 6 years all perfect. Short because i pay them off early but paid on time non the less.

Only thing is a collection from 6 yrs ago for $300 that i am waiting for it to fall off.  It should be gone any month now.

[myjourney]

Lexie has a good question what's your UTL?

[espnjunkie]

Utilization can kill your score. If you are using higher than 50% of your available credit it will raise a red flag to lenders on the application. 

Read the letter and proceed from there 

[enharu]

Like others have said, wait for the letter, and them decide what to do from there on.

[Meltdownblitz]

Try checking the AMEX Card app status website, (guess website doesn't work, search google for the website) It should tell you why you were declined, then post back here.

[traveler2005]

Hi

Is your collection paid?

[john08135i]

no its for $600 and 6 yrs old.. ive read any collection older than two years old if you pay it past that it does not increase your score..

[09Lexie]

It may not increase your score but a collection account paid or unpaid is still a derog. Double check the date it should drop off, looks like you might have a better chance after it's deleted.