napplegate wrote:
Would it be remotely prudent to call Amex, talk to an analyst and ask what my approval odds would be. I'm sure it would be a YMMV situation but I don't want to get skunked nor do I really want an Amex charge card at the current time.
I cannot imagine you would get a meaningful reply "Each situation is different, we evaluate each application on its own merits, taking the whole picture into account" even if in reality the decision is purely algorithmic: (Score + AAoA*8.6 - #ofNegs*20) > 676 say
I would also guess that they don't want to discuss details as a) this could lead to issues if you get rejected but can say "But you told me with score of XXX and.... of Y I should be OK" and b) answering questions gives you too much information as to what makes up their decision.
But I could be wrong (happened once in 1925, a Friday I recall).
