Making Sure a SP and Which CRA Pulled from

[coldnmn]

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@John060675 wrote:
Coldnmn, just saw your message. Thank you, that gives me a great start.

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Your welcome.

[John060675]

I just called American Express, and they gave me the 7 to 10 days message for the Delta SkyMiles credit card application.I have the Optima card, so I was even surprised they allowed me to try for a new card.

I suppose I should call back and ask for a credit line increase to. I do not think that would hurt. Any thoughts?

[John060675]

Amex was a big fat decline. Will see if it was a HP or SP.

Sent my email to EO at Cap 1 and waiting for a reply.

Will try CLI from WF tomorrow. Only can take one rejection per day. :-)

[seanny]

Your scores are nowhere near acceptable for AMEX. Doing a little research on this site in advance would have saved you the HP.  I would not go near AMEX with a EQ score under 680 (and no recent bankruptcies).

[John060675]

Seanny, you are correct that my scores are too low. I was just hoping 648 EX was going to get by since I have been a perfect AMEX customer for the past 3 years.  Of well.  Interestingly my Delta application shows canceled,  not declined. I have never heard of this before. 

[manwoot]

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@John060675 wrote:

Seanny, you are correct that my scores are too low. I was just hoping 648 EX was going to get by since I have been a perfect AMEX customer for the past 3 years.  Of well.  Interestingly my Delta application shows canceled,  not declined. I have never heard of this before. 

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If you're a current Amex customer, your card application if denied is a SP, and only a HP if approved.  This means you can apply for credit and if denied, won't hurt your credit score.  I'm pretty sure this is what you're experiencing.

[John060675]

I sent an email last night to Capital One EO office and I heard from them today. They checked for a credit line increase and a product change and they said it would have to be manually reviewed.that sounds like it's going to be a decline also. I will find out by Monday though. Keeping my fingers crossed.

[09Lexie]

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@John060675 wrote:

I sent an email last night to Capital One EO office and I heard from them today. They checked for a credit line increase and a product change and they said it would have to be manually reviewed.that sounds like it's going to be a decline also. I will find out by Monday though. Keeping my fingers crossed.

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All CLI's through the EO are sent for manual review.  It may be approved. 

[John060675]

Just a quick update:

I have been in contact with the Capital One EO on a couple occassions, and they have been very nice.  They could not help me yet, since I have an extended fraud alert on my reports.  The Cap 1 EO needed to call me at the phone number listed on the extended fraud alert, which I no longer have.  So, I am in the process of updating the information with the CRAs.  Of course I have to do this in writing, so this will take a week or so to get changed.  Then I hope to get a nice CLI with Cap 1.

Concerning the AMEX, I decided to go through a reconsideration with them.  I noticed that they used information from a SP from last month, when my utilization was a lot higher.  I faxed in my Experian CR with a letter explaining my situation.  I called them today, and they said they received it and it is being reviewed.  They said this process can take up to 5 days.

A lot of work, but I am hoping it will pay off.  Happy New Year to everyone.

[FinStar]

Best of luck OP and hope it's a good outcome.