*UPDATE* Amex Charge Denied but Revolver Approved?

[buildingcreditfromnothing]

The denial reasons they listed don't apply to me because they are inaccurate. They claim my credit utilization is too high. My utilization is 4%. They claim I have too many accounts with delinquency. The only delinquency reported is one 30 day late from 2007 from a cosigned auto loan. My credit accounts are all paid as agreed as well as my auto loans. I review my report very often.

[jsucool76]

---

@buildingcreditfromnothing wrote:
The denial reasons they listed don't apply to me because they are inaccurate. They claim my credit utilization is too high. My utilization is 4%. They claim I have too many accounts with delinquency. The only delinquency reported is one 30 day late from 2007 from a cosigned auto loan. My credit accounts are all paid as agreed as well as my auto loans. I review my report very often.

---

are those the reasons for YOUR denial, or are they like "common reasons for a denial" or whatever they call it nowadays. "this that can adversely affect your credit score"

[buildingcreditfromnothing]

Yes, those were the reasons for my denial.

[buildingcreditfromnothing]

Darn! New Accounts wasn't open tonight so I guess I will talk to them about the Charge card denials on Monday. I appreciate everyone's replies!