Reply
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Contributor
PSouz
Posts: 214
Registered: ‎03-25-2013
0

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 








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 Contributor
dodgerslv
Posts: 1,843
Registered: ‎06-16-2012
0

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: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Moderator
09Lexie
Posts: 26,616
Registered: ‎09-13-2012
0

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.
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

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?

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

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! :-)

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

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.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
kevinjjc
Posts: 1,375
Registered: ‎01-14-2009
0

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
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

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. 


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+
}