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Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
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Re: I have come to a conclusion: AMEX Doesn't like me

Wow, that makes no sense. Sorry about the denial bro. I had no relationship with them but they approved me with 6 month history, I guess it's YMMV with these guys. You have a CO from 2010 yet you got the ZYNC after that, but they can't approve you for another charge card. Did you try reconning with these guys? Call 'em up and explain your story, it's the damn computer auto-denying you because of the CO.

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Registered: ‎02-07-2013
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Re: I have come to a conclusion: AMEX Doesn't like me


Denny33142 wrote:

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.


I have read that 4/15 you will be able to PC

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Contributor
Posts: 214
Registered: ‎03-25-2013
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Re: I have come to a conclusion: AMEX Doesn't like me


myjourney wrote:

Denny33142 wrote:

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.


I have read that 4/15 you will be able to PC


that would make sense considering they gave me my annual fee back when I canceled it because they no longer have the reward packs 








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Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
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Re: I have come to a conclusion: AMEX Doesn't like me

sorry about that Denny...but dont lose hope buddy...im hoping AMEX gives you another chance at their other products sooner than later.

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
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Registered: ‎09-13-2012
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Re: I have come to a conclusion: AMEX Doesn't like me

If its the Zync with the hard limit, I thought, please correct me if I'm wrong - that you would need to close it first before they will approve another card.
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Re: I have come to a conclusion: AMEX Doesn't like me

Good question I know LS mentioned being able to PC 4/15 so very good question?

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Registered: ‎07-12-2011
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Re: I have come to a conclusion: AMEX Doesn't like me

Hey Denny!
The reason for the denials is the Zync (hard limit). It's been noted on several forums and by Amex reps that having the Hard Limit Unicorn is a auto denial. My advice- get your score up to 680 FICO- close the Zync and app the PRG if you really want that card. Also- depending on your profile- I'd also app the Delta right after on the same day. I think you will have a good chance at these cards. Good luck and hope this helps! :-)

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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: I have come to a conclusion: AMEX Doesn't like me

Don't worry, they don't love me either. I got rejected with 768 fico.

Then again, I had quite a number of inquiries, so it's my fault, not theirs.

 

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Valued Contributor
Posts: 1,408
Registered: ‎01-14-2009
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Re: I have come to a conclusion: AMEX Doesn't like me

Don't take it personally, AmEx just doesn't make sense sometimes.

Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
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Re: I have come to a conclusion: AMEX Doesn't like me

Not that surprised really.  Typically Amex doesn't do revolvers without a 700 FICO or darn close to it.  Get your score up a bit and try again.  

 

I don't think they are going to PC those cards and they definately won't PC to a revolver. 

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