Question about Amex Zync denial reason

[Viper786]

I just applied for a Zync card for a family member and it got declied and the reason they stated is:

Thank you for your recent application for Zync SM from American Express.  We do value your desire to establish a relationship with us.  We regret that we are unable to approve your request.

Reason(s) for Our Decision

Information received from Experian Consumer Reporting Agency  (See below)

The factors provided by the consumer reporting agency that affected our decision are:

Legal item(s)

.

.

.

Anyone know what that means? Is this possible to recon?

[LS2982]

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@Viper786 wrote:

I just applied for a Zync card for a family member and it got declied and the reason they stated is:

Thank you for your recent application for Zync SM from American Express.  We do value your desire to establish a relationship with us.  We regret that we are unable to approve your request.

Reason(s) for Our Decision

Information received from Experian Consumer Reporting Agency  (See below)

The factors provided by the consumer reporting agency that affected our decision are:

Legal item(s)

.

.

.

Anyone know what that means? Is this possible to recon?

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AmEx Executive Office:  800-297-6197

Call this number and find out what it is.

[Viper786]

Thanks, I called that number but they are closed. I will call tomorrow.

Just a little background: The person for whom I applied for previously had an Amex business gold that was charged off about 4 years ago. This person also has a judgement on their reports that is also a few years old. 

Was having recent success with some credit approvals which is why I tried apping for a Zync. Most recent success was with capital one cash w/ 2k limit.

[drkaje]

Could you possibly be still listed as an ACM on Amex's blacklist?

[LS2982]

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@drkaje wrote:

Could you possibly be still listed as an ACM on Amex's blacklist?

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+1

More than likely blacklisted.

[drkaje]

I re-read the original post.

Amex seriously blacklists.

I definitely wouldn't have use an inquiry on a company where an unpaid CO was still lingering.

Amex is known for not selling debt so there's still likely an opportunity to repay the debt through their Optima, Oasis, or whatever the heck it's called program.

[LS2982]

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@drkaje wrote:

I re-read the original post.

Amex seriously blacklists.

I definitely wouldn't have use an inquiry on a company where an unpaid CO was still lingering.

Amex is known for not selling debt so there's still likely an opportunity to repay the debt through their Optima, Oasis, or whatever the heck it's called program.

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+1

[Viper786]

Thanks for the info. Btw, what's ACM?

[-Cain-]

CM = Card Member. Amex uses ACM term instead of AU.

[drkaje]

ACM = Additional Card Member.

As I understand it: Amex doesn't technically do authorized users. Additional card membership is a perk extended to its members. That might be one of the reasons they get away with using "Member since" and can back date.

Being an ACM/AU may not build history with Amex but they do issue seperate account numbers and track every charge made. In case of default, they're one of the few companies that will go after or blacklist an ACM for their charges. Accepting the additional card is an agreement to pay for your own charges. That's another way an Amex card is very different.

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@Viper786 wrote:

Thanks for the info. Btw, what's ACM?

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