no longer absolutely furious w amex

[suzook1]

Got my bce cli decline letter today. Reason was balances to too high. Well I paid off 85% of my debt..the kicker is the soft pull was done on March 23.... not the day of the request. Whats worse the guy ai am speaking with is a total a hole. What happened to amex world class service. He wants me to send in a full copy of my report. **bleep** would amex use.a report almost 30 days old. Absolutely sick of this amex bs

"update" spoke to analyst in the US. Reviewed account 3x cli in 10 seconds !!! bam

[a3quit4s]

I feel your pain. I was denied for the BCP and awesome scores and 100% on time payments. They said my INQ's were too high. Called EO, wrote a letter and everything

[enharu]

---

@a3quit4s wrote:

I feel your pain. I was denied for the BCP and awesome scores and 100% on time payments. They said my INQ's were too high. Called EO, wrote a letter and everything

---

did u really send in that letter template that you pasted on this forums?

[Alcibiades]

Amex uses whatever soft pull they have on file within 30 days of an application. You can call and get a hard pull recon.

[suzook1]

They are telling me no on a hp. Anyone got a good recon number

[djrez4]

Amex owes you nothing.

Keep your balances low for 90 days and try again.

[suzook1]

Member since 98. Bills paid flawlessly and yes they do owe me something.....proper service and reasons to remain a customer. Go piss on someone elses parade please

[Blurbz]

I didn't think the fact that they use the most recent soft pull for applications was a secret--that's part of why it isn't an automatic hard pull, because part of their business model is to soft pull regularly. That being said, it's too bad the CSR wasn't more helpful in explaining policies or giving you other options.

[PokemonMaster]

---

@aleicgrant wrote:
Member since 98. Bills paid flawlessly and yes they do owe me something.....proper service and reasons to remain a customer. Go piss on someone elses parade please

---

That attitude is probably why you didn't get anything from them. Everyone owes you something right? Go ahead, drop Amex, probably better for Amex if you did. You just want to hear everyone tell you you're exactly right and Amex is the bad guy. The way Amex sees it, you use a lot of your limit with them. Even if you pay it off they see you as a risk.

[GoldenloveNY]

Amex owes you nothing. Being a entitled snob won't get you very far in life.