Whoa, applied for an Amex and didn't get an instant decline.

[FretlessMayhem]

I decided to pull my EX score since it has been a year since my last late payment and saw that my score jumped from 623 to 657. 34 points for aging a year. Not bad eh?

So, since I am ignorant and have been trying to get an American Express card for a while I make the decision to apply. I applied for the Gold Delta Skymiles card, and much to my suprise, I got a check back in 24 hour message. I always, always get instant declines from Amex. Now I keep frantically checking the status every 5 minutes hoping that they update.

Anyone have any luck with Amex and the 24 hour message?

[Anonymous]

did you try calling? sounds encouraging, good luck. keep us posted.

[Anonymous]

Fingers crossed for you!

[FretlessMayhem]

Would the people on the phone know before they would update online?

[Anonymous]

maybe if it's a network problem. maybe they could even tell you if it's an info thing, i doubt anyone from new accounts is in on the weekends (ordnarily they would be able to transfer you there).

[Red1Blue]

It is common with Amex getting the 24 hour check back message. I got the same message when I applied for the card and I got the 24 hour message. I checked back next day and said it is approve. Most likely you are getting the card. Wait a day and check back and you'll see the status.

[kclb]

Hm. How's the response time for Charge cards? faster? higher criteria? ahhhh.

[girlie]

i just applied for One from American Express today and got instant approval.  They say you should have a fico score of 691 to make sure you get approved.  my scores are tu 680, eq 695, ex 691.  i was too scared to apply for the BLUE card for fear of a decline....they want a fico of 713 and i am nowhere near that.  two friggin years of hard work and i haven't even hit the 700 club...what a long journey.

good luck...fingers crossed.

[haulingthescoreup]

Hi, girlie, congrats on the One! Where did you get such specific score listings? I've never seen any that precise, for individual cards.

[kclb]

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@girlie wrote:

i just applied for One from American Express today and got instant approval. They say you should have a fico score of 691 to make sure you get approved. my scores are tu 680, eq 695, ex 691. i was too scared to apply for the BLUE card for fear of a decline....they want a fico of 713 and i am nowhere near that. two friggin years of hard work and i haven't even hit the 700 club...what a long journey.

good luck...fingers crossed.

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Thanks for the info. Maybe I will wait for a bit before I jump the gun. haha. I'm in love with AMEX so I want one credit card and one charge card. hah. I will swipe more of my Delta Gold and wait.....