Reply
New Contributor
Posts: 359
Registered: ‎11-29-2011
0

Re: Will I get approve for a Amex card

I suggest you call them, its fairly common if they wish to verifiy some kind of information.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Established Contributor
Posts: 524
Registered: ‎08-24-2011
0

Re: Will I get approve for a Amex card

[ Edited ]

ChinoMix wrote:
I applied for the green card on thier website and it told me I need to call them for a instent decision or if I don't call then they will call me within 2-3 bissiness days...

Should I call them? or wait for them to call me? Am I most lickly to be approve or diclind?
And this happen to alot of people?

I would call them -- at this point you got the HP, so go ahead and make the best of it.

Frankly, before applying for an Amex I would have invested and got my Fico scores. (Wait, why the conditional? I actually did! And decided to postpone the application because a payment had not posted yet, and it was a good idea because I eventually got my BCP instantly).

 

As for revolving VS charge, there is enough anecdotal evidence even just in this forum to prove and deny almost any claim. However, the general rule seems to be that charge cards are easier to get than revolving, and that there is not a whole lot of difference among the individual cards. The exception, of course, being the Zync, which Amex sells as their "entry-level" card, I believe.

 

Hope this helps! Good luck!!

SevenNEW, Garden Nerd - In the Garden until 2015!
4.2K 10K 24.6K
Valued Member
Posts: 30
Registered: ‎11-29-2011
0

Re: Will I get approve for a Amex card

You should probably call. I think Amex just wants to verify information before approving.

New Member
Posts: 10
Registered: ‎12-24-2011
0

Re: Will I get approve for a Amex card

Is it possible they might ask for some paper work? To varify income iv read that on another forum.

And what is a HP?
New Contributor
Posts: 359
Registered: ‎11-29-2011
0

Re: Will I get approve for a Amex card


ChinoMix wrote:
Is it possible they might ask for some paper work? To varify income iv read that on another forum.

And what is a HP?

They might ask to verifiy your income with a tax return or usually they want to verifiy your address.

 

A HP is a Hard Pull, basically an Inquiry.

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Community Leader
Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Will I get approve for a Amex card

I would call. I agree they probably want to verify something. It wasn't an instant denial, so that's a good thing... Just my .02

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

New Member
Posts: 10
Registered: ‎12-24-2011
0

Re: Will I get approve for a Amex card

Wow I really appreciate this information you guys know what are talking about...

I'm going to give them a call Monday and see what they say and I will update to let you guys know

Merry Christmas to all
Community Leader
Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Will I get approve for a Amex card

The suspense will kill us!

Good Luck!

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Regular Contributor
Posts: 149
Registered: ‎10-28-2011
0

Re: Will I get approve for a Amex card

Here's my approval, should give you some confidence! :

 

Community Leader
Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Will I get approve for a Amex card

Nice work shaddix, didn't take no for an answer! I too was kept at bay for a few decisions, they caved.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.