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New Contributor
Omri
Posts: 86
Registered: ‎10-29-2012

"Further Review"

Just apped for CSP and SPG cards. Got approved for CSP (yay!) and the response for SPG was that my application was "under further review" and that I would get a response within 14 days. Should I wait for them to respond with either an acceptance or rejection, or give them a call now? My concern with calling now is that I really don't know why exactly they wanted to review it further.

Recent FICO scores: TU - 755 (mortgage lender pull)
Valued Contributor
injustifiiable
Posts: 1,727
Registered: ‎03-30-2012

Re: "Further Review"

Have you checked the status online yet? There's a page you can go to...

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
New Contributor
Omri
Posts: 86
Registered: ‎10-29-2012

Re: "Further Review"

Oh? Where is that, and how can I log into it (as I don't believe I have a login for it that I know of).

Recent FICO scores: TU - 755 (mortgage lender pull)
Valued Contributor
injustifiiable
Posts: 1,727
Registered: ‎03-30-2012

Re: "Further Review"

 

https://www262.americanexpress.com/eaol/welcome.do

 

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
New Contributor
Omri
Posts: 86
Registered: ‎10-29-2012

Re: "Further Review"

[ Edited ]

Thank you! It says "declined," so I guess it's time for a phone call!

 

Argh, when I initially go there, I enter the info it asks, then it shows the card, status is declined, and says "To view the full decision details click here." When I click there, they ask for my DOB, I give it, and then click the "Check Application" button, and it hangs for an eternity before coming back with an error. I'd love to see WHY I was declined so I can craft my arguments around it.

Recent FICO scores: TU - 755 (mortgage lender pull)
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: "Further Review"

Well atleast you got approved for one cc. I would call and recon the other. Good luck

Valued Contributor
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

Re: "Further Review"

Those are two cards on my radar for June. What's your CR, scores, etc look like?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: "Further Review"

Congrats on the one approval! Try a recon with the other. Hope it works! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: "Further Review"

congrats on your new CSP, I want this card badly.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
New Contributor
Omri
Posts: 86
Registered: ‎10-29-2012

Re: "Further Review"

Thanks! It's the one I wanted more, so I'm glad I got it, although the recon phone call probably would have been easier with Chase than it seems to be with AmEx (since I have a relationship with Chase, but not much of one with AmEx).

 

I'm worried about the recon of the SPG card though, since when I called earlier, the CSR said they need to pull my credit again to recon it. I plan on gardening for a year or two after this mini-spree anyways, but still!

Recent FICO scores: TU - 755 (mortgage lender pull)

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