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09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Should have left well enough alone!

I was feeling pretty good about myself.  Just left Nordstrom with a new approval - so against my better judgment I decided to app for an Amex Green.  The cold hard slap of the denial is still burning my eyes. :womansad:

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Revelate
Posts: 9,732
Registered: ‎12-30-2011
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Re: Should have left well enough alone!

Happens, I wouldn't beat yourself up over it though; however, looking at your signature, it would probably help you to obtain at least one national bank card of some type from an underwriting perspective.  I'd wait to find out what the Amex denial reasons were, that may shed some light on what they and potentially others are looking for when it comes to evaluating your credit report.

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LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Should have left well enough alone!


09Lexie wrote:

I was feeling pretty good about myself.  Just left Nordstrom with a new approval - so against my better judgment I decided to app for an Amex Green.  The cold hard slap of the denial is still burning my eyes. :womansad:


Sorry to hear :smileysad:

 

Garden your new account and try them again in 6 months!

 




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Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Should have left well enough alone!

Congrats on your approval and sorry to hear about amex

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Epcot
Posts: 2,789
Registered: ‎10-10-2012
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Re: Should have left well enough alone!

Sorry to hear. But after some time gardening and taking care of your current accounts you should have a much better shot!

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09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: Should have left well enough alone!


Revelate wrote:

Happens, I wouldn't beat yourself up over it though; however, looking at your signature, it would probably help you to obtain at least one national bank card of some type from an underwriting perspective.  I'd wait to find out what the Amex denial reasons were, that may shed some light on what they and potentially others are looking for when it comes to evaluating your credit report.


 

I agree.  Before I found this board I foolishly wasted HP's on Chase, Barclay and Discover a few months ago. I thought having a paid mortgage, installment and car loans was enough - wrong. Hence, the revolvers with GE.  I have a feeling the reasons might be inq's and the fact all my revolving credit is 3 mos old or newer (but my AAOA is 8yrs.)   I knew the auto loan with Chase in April was not sufficient- but still I hit submit.:smileysad:

 

 I did join Alliant CU yesterday- hopefully by the time my CL garden some I will be ready to hit submit again! 

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LesWH
Posts: 608
Registered: ‎10-11-2012
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Re: Should have left well enough alone!


09Lexie wrote:

I was feeling pretty good about myself.  Just left Nordstrom with a new approval - so against my better judgment I decided to app for an Amex Green.  The cold hard slap of the denial is still burning my eyes. :womansad:


Lmao!!!


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iCoop
Posts: 180
Registered: ‎05-06-2012
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Re: Should have left well enough alone!


09Lexie wrote:

Revelate wrote:

Happens, I wouldn't beat yourself up over it though; however, looking at your signature, it would probably help you to obtain at least one national bank card of some type from an underwriting perspective.  I'd wait to find out what the Amex denial reasons were, that may shed some light on what they and potentially others are looking for when it comes to evaluating your credit report.


 

I agree.  Before I found this board I foolishly wasted HP's on Chase, Barclay and Discover a few months ago. I thought having a paid mortgage, installment and car loans was enough - wrong. Hence, the revolvers with GE.  I have a feeling the reasons might be inq's and the fact all my revolving credit is 3 mos old or newer (but my AAOA is 8yrs.)   I knew the auto loan with Chase in April was not sufficient- but still I hit submit.:smileysad:

 

 I did join Alliant CU yesterday- hopefully by the time my CL garden some I will be ready to hit submit again! 


Sometimes it helps having freezes on your files so you can still fulfill your app itch, just that you know you'll be denied as they won't be able to pull your credit...



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JonStur
Posts: 905
Registered: ‎12-25-2010
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Re: Should have left well enough alone!

Did you try calling the back door number. It can't hurt speaking to someone...


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koalablue
Posts: 356
Registered: ‎05-23-2012
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Re: Should have left well enough alone!

I agree. Why not give Amex a call and recon? Chances arent great but cant hurt. Just make sure they don't do another hard pull,


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