05-16-2013 04:59 PM
So, after being emboldened by my CSP success I decided to app for AMEX BCP. Got pending review message. Says I'll get something in the mail in 14 days.
I'm assuming this means I'm declined? Is there a recon number or a way to find out?
05-16-2013 05:05 PM
Google the AMEX application status page, some time the App isn't processed in the 30 seconds or so they allow, and the card is approved by the time you check that page, if its is approved, you can call the phone number and get the CL via the automated system.
Did the same thing to me this morning with my AMEX Hilton Surpass card.
05-16-2013 05:11 PM
Found it...says "In Progress"
05-16-2013 05:14 PM
If they decline me, can I recon?
05-16-2013 05:17 PM
05-16-2013 05:18 PM
Yes but it will require another HP, and usually preceeded by you faxing in a copy of your credit report that shows good reason why you should be approved. Its an uphill battle to win the process but some here have reported success. If they deny you, you can just wait another 45 days again and AP again, perhaps a Charge card is a good way to get in the door, PRG is a good card with AF waived the first year.
05-16-2013 05:28 PM
It took my DW 5 days in progress to finally be seen by an underwriter and get approved. i will advise you to wait for a result. checking the status page will be faster than mail, and not calling and pushing a descion might help you.
by the way they pulled the CR the same day they approved her, 5 days after the initial app.
05-16-2013 06:16 PM
I applied for the BCE last night. I am in processing too. =( I guess thats better than the last three times I applied. Those were instant denials.
05-17-2013 06:22 AM
HOLY CR@P! 3, count 'em, 3 HPs! Still says "In Progress". Ugh.
05-17-2013 06:29 AM
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.