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Is this normal? American Delta Denied

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ecballer
Valued Member

Is this normal? American Delta Denied

Well i decided to apply for the American Express Delta card yesterday but was denied instantly.  So I check the app status for reasons and i get the message below.  Today I check my reports and they did not pull any of them???  I do not have any of my reports frozen and I currently already have their gold charge card which I have been perfect with payments on.  I called them yesterday and they basically gave me the speech I was denied and I would receive the reasons in the mail.  Anyone have this happen?? 

 

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Where it Began:
EQ Fico: 557 10/21/2019
EX Fico: 559 10/21/2019
TU Fico: 580 10/21/2019

Current Scores:
EQ Fico: 592 2/17/2020
EX Fico: 626 02/17/2020
TU Fico: 616 2/17/2020

Message 1 of 6
5 REPLIES 5
coldnmn
Mega Contributor

Re: Is this normal? American Delta Denied

When you have a current AMEX card a denial is a SP an approval is a HP. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 6
Kenny
Moderator Emeritus

Re: Is this normal? American Delta Denied

Sorry for your denial. Smiley Sad
Message 3 of 6
ecballer
Valued Member

Re: Is this normal? American Delta Denied

Perfect thanks...this was the answer I was looking for.  They must have did a SP on Transunion which happens to be my lowest score due to them taking sooo long to update balances.  Well off to the garden I go.

Where it Began:
EQ Fico: 557 10/21/2019
EX Fico: 559 10/21/2019
TU Fico: 580 10/21/2019

Current Scores:
EQ Fico: 592 2/17/2020
EX Fico: 626 02/17/2020
TU Fico: 616 2/17/2020

Message 4 of 6
yudeology101
Senior Contributor

Re: Is this normal? American Delta Denied


@ecballer wrote:

Perfect thanks...this was the answer I was looking for.  They must have did a SP on Transunion which happens to be my lowest score due to them taking sooo long to update balances.  Well off to the garden I go.


I'm certain that AMEX SPs EX.....sorry for the denial.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 5 of 6
ecballer
Valued Member

Re: Is this normal? American Delta Denied


@yudeology101 wrote:

@ecballer wrote:

Perfect thanks...this was the answer I was looking for.  They must have did a SP on Transunion which happens to be my lowest score due to them taking sooo long to update balances.  Well off to the garden I go.


I'm certain that AMEX SPs EX.....sorry for the denial.


Yes you are correct I must have missed it.  Im sure I was denied for too many inquries I have 10 on EX.

Where it Began:
EQ Fico: 557 10/21/2019
EX Fico: 559 10/21/2019
TU Fico: 580 10/21/2019

Current Scores:
EQ Fico: 592 2/17/2020
EX Fico: 626 02/17/2020
TU Fico: 616 2/17/2020

Message 6 of 6
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