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Should have left well enough alone!

Moderator Emerita

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. Woman Sad

Message 1 of 13
12 REPLIES
Moderator

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.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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Message 2 of 13
Mega Contributor

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. Woman Sad


Sorry to hear Smiley Sad

 

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

 




EQ FICO 548 3/3/16
Message 3 of 13
Established Contributor

Re: Should have left well enough alone!

Congrats on your approval and sorry to hear about amex

Message 4 of 13
Valued Contributor

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!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 13
Moderator Emerita

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.Smiley Sad

 

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

Message 6 of 13
Established Contributor

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. Woman Sad


Lmao!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 7 of 13
Regular Contributor

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.Smiley Sad

 

 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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Message 8 of 13
Established Contributor

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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Message 9 of 13
Frequent Contributor

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,

Message 10 of 13