Reply
Regular Contributor
Denny33142
Posts: 179
Registered: ‎07-12-2011
0

I have come to a conclusion: AMEX Doesn't like me

[ Edited ]

It's starting to get so bad that i don't even care anymore, I just cannot understand how they approve applicants who barely have any history but cannot trust someone who has been a member for over 2 years with perfect history.

 

Not only that but my credit has improved significantly since they gave me the Zync (Fico of 620 when approved for Zync, Fico of 670 now), Even funnier is the fact that i had 14 INQ at the time the Zync was approved, Now i only have 3.

 

I don't really care anyway, all of the applications have been soft pulls and at least i get my Fico everytime.

 

 

Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012
0

Re: I have come to a conclusion: AMEX Doesn't like me

try a product change in april.

Moderator
09Lexie
Posts: 25,913
Registered: ‎09-13-2012
0

Re: I have come to a conclusion: AMEX Doesn't like me

Established Contributor
Bella1980
Posts: 583
Registered: ‎06-22-2008
0

Re: I have come to a conclusion: AMEX Doesn't like me

Sorry Denny. 

 

I have a feeling you are looking good for the Delta Gold Amex. It looks like you haven't applied for that one in a while. Wait a few months and maybe try again for that one. Maybe wait until you hit 680 as well!

 

Good Luck and cheer up.



Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


Take the myFICO Fitness Challenge

Moderator
09Lexie
Posts: 25,913
Registered: ‎09-13-2012
0

Re: I have come to a conclusion: AMEX Doesn't like me

I agree- product change in April. I forgot about that
Contributor
PSouz
Posts: 214
Registered: ‎03-25-2013
0

Re: I have come to a conclusion: AMEX Doesn't like me


Denny33142 wrote:

It's starting to get so bad that i don't even care anymore, I just cannot understand how they approve applicants who barely have any history but cannot trust someone who has been a member for over 2 years with perfect history.

 

Not only that but my credit has improved significantly since they gave me the Zync (Fico of 620 when approved for Zync, Fico of 670 now), Even funnier is the fact that i had 14 INQ at the time the Zync was approved, Now i only have 3.

 

I don't really care anyway, all of the applications have been soft pulls and at least i get my Fico everytime.

 

 


that is really shocking to me considering you have a zync with them, they approved me for a bce after having my zync for less than 2 years, maybe doing a PC will work, I dont know if they PC zyncs though, I believe I tried to upgrade it once and they said it couldnt be done, but maybe I am mistaken.

 

its good theyre soft pulls and nice you get your fico

 

and at least maybe if you give it another six months to a year, and your credit goes up even more im sure youll be able to get another card from them, and it will be backdated too so it will be as if you got it now anyways








Amex BCE $14k (backdated to 1/11), Chase Freedom $500 (11/2012)
Discover It Student $3k (3/13), Citi Dividend Platinum Visa $3k (3/13)
Capital One Cash Rewards Visa $3.5k (3/13)
Starting Score 3/20/13 - TransUnion FICO 758 - Goal Score 800
Valued Member
stema8701
Posts: 29
Registered: ‎01-29-2011
0

Re: I have come to a conclusion: AMEX Doesn't like me

Do you have NPSL Zync or Hard Limit? If it is a hard limit zync I would close it and then apply. I don't know if it works but my app status looked quite similar to yours until I closed my hard limit Zync. I just got approved for BCE and Delta Gold @ 10K each.


Starting Score: 600
Current Score:EX FICO 720 EQ FICO 712 TU FICO 713
Goal Score: 750
NFCU Cash Rewards Sig (14K), Amex BCE(10K), Delta Skymiles(10K) Discover IT(5.6K), CITI HHonors(6.2K), CSP (5K), CITI TYP(5K) CITI Diamond Preferred(4K), Freedom(3K), Amazon Store Card(2.5K),


Regular Contributor
Denny33142
Posts: 179
Registered: ‎07-12-2011
0

Re: I have come to a conclusion: AMEX Doesn't like me

It's a Zync with $500 limit, Not possible to product change.

 

The only negative i have is a charge off from 2010 which has been paid, they always site that as the first reason.

Valued Member
stema8701
Posts: 29
Registered: ‎01-29-2011
0

Re: I have come to a conclusion: AMEX Doesn't like me

I have a voluntary repo and 2 verizon chargeoffs on my experian but AMEX pulled all 3 when they approved me.


Starting Score: 600
Current Score:EX FICO 720 EQ FICO 712 TU FICO 713
Goal Score: 750
NFCU Cash Rewards Sig (14K), Amex BCE(10K), Delta Skymiles(10K) Discover IT(5.6K), CITI HHonors(6.2K), CSP (5K), CITI TYP(5K) CITI Diamond Preferred(4K), Freedom(3K), Amazon Store Card(2.5K),


Blogger
HiLine
Posts: 2,949
Registered: ‎10-19-2012
0

Re: I have come to a conclusion: AMEX Doesn't like me


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+
}