topic Re: Success with Amex recon in Credit Card Approvals

Success with Amex recon

Anonymous — Thu, 19 Sep 2013 22:47:52 GMT

About two weeks ago I was ready to app. I had spent a year in the garden and paid off my CC's. I had Amex prg and one card on my list was blue. I checked my fico and was at 760 I was good to go! I applied to blue and denied!

Amex soft pulls current card holders periodically ( I didn't know this) they used the last score on file(696), not my current one. I didn't know they did this. I was pretty disappointed but with some advice from this forum I called and explained the situation. They submitted my app for recon and I was denied again! I asked why and the same reasons were given. Amex had used the same info from the first app! I asked for a hard pull and they said no! The only option I had was to fax my own CR. I did and today I got the email that I was approved! Thanks to everyone who gave me advice and I hope that some of you find this helpful.

Re: Success with Amex recon

youngandcreditwrthy — Thu, 19 Sep 2013 22:54:22 GMT

Congrats!!!!!

Re: Success with Amex recon

red259 — Thu, 19 Sep 2013 22:54:48 GMT

@Anonymous wrote:
About two weeks ago I was ready to app. I had spent a year in the garden and paid off my CC's. I had Amex prg and one card on my list was blue. I checked my fico and was at 760 I was good to go! I applied to blue and denied!

Amex soft pulls current card holders periodically ( I didn't know this) they used the last score on file(696), not my current one. I didn't know they did this. I was pretty disappointed but with some advice from this forum I called and explained the situation. They submitted my app for recon and I was denied again! I asked why and the same reasons were given. Amex had used the same info from the first app! I asked for a hard pull and they said no! The only option I had was to fax my own CR. I did and today I got the email that I was approved! Thanks to everyone who gave me advice and I hope that some of you find this helpful.

It seems messed up that they made you go through those steps if you were asking them to pull a new report.

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:01:29 GMT

red I agree! but many people on here told me this is typical of amex

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:05:08 GMT

So happy this worked out for you! It might have been a pain but following their method for recon -it worked out for you!

Congratulations-again!

Re: Success with Amex recon

WillF360 — Thu, 19 Sep 2013 23:09:31 GMT

How did you get in touch with them on the recon? I'd like for them to reconsider my CL, since the factor that they were using was "utilization". My new balance reported a 1% utilization now as opposed to 65%. I couldn't get them to send the app for recon on the CL.

Congrats by the way. They seemed pretty "set" in their ways when I called.

Re: Success with Amex recon

missjae — Thu, 19 Sep 2013 23:12:17 GMT

Congrats! Another instance of persistence paying off.

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:18:06 GMT

Thanks! again Lexie! I dont think I would have faxed them my info had it not been for you!

WillF, I got the recon number from here. I believe it was "backdoor sticky" (someone please correct me if this isnt it)

anyway there is really no way to tell when they will SP you agian and see the new UTL but if you really want it now I would call and explain again that the report they are looking at is incorrect and that you can provide them with an accurate one. They will have you fax it to there media dept.(I can provide that # if you need)

Re: Success with Amex recon

red259 — Thu, 19 Sep 2013 23:18:12 GMT

This thread has me thinking now. If you are a customer with Amex and they are basing their new approval off of their last soft pull of your CR then does it make sense during an app spree to make amex your last app? Meaning if they approve you on a soft pull from awhile back they won't see all your new inqs until they do the HP to determine your CL. I understand the new inquiries may impact your CL, but would they turn around and change their mind after the HP and deny you for too many new inquiries?

Re: Success with Amex recon

ezdoesit — Thu, 19 Sep 2013 23:22:05 GMT

@Anonymous wrote:
About two weeks ago I was ready to app. I had spent a year in the garden and paid off my CC's. I had Amex prg and one card on my list was blue. I checked my fico and was at 760 I was good to go! I applied to blue and denied!

Amex soft pulls current card holders periodically ( I didn't know this) they used the last score on file(696), not my current one. I didn't know they did this. I was pretty disappointed but with some advice from this forum I called and explained the situation. They submitted my app for recon and I was denied again! I asked why and the same reasons were given. Amex had used the same info from the first app! I asked for a hard pull and they said no! The only option I had was to fax my own CR. I did and today I got the email that I was approved! Thanks to everyone who gave me advice and I hope that some of you find this helpful.

Congrats. Did you get the regular blue with MR points and did you also get the sign up bonus?

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:24:39 GMT

Red I see what you mean, In my case had they approved on the initial day I applied they would have saw NO recent inq's however when I sent my report they did have the BOA Cashrewards card I picked up the same day. The good news for me I didnt go app crazy and I picked up the blue without a HP, so one HP in a year, I am back to the garden now that I have the blue, the BOA wa only to pacify my initial denial lol

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:28:34 GMT

@WillF360

Reconning an approval is different than an initial CL. The best way to handle that is to request your 3x in 61 days. I don't think you want to risk a chance of a hp and your initial CL with that util is quite generous IMO

Re: Success with Amex recon

Anonymous — Thu, 19 Sep 2013 23:28:51 GMT

Ezdoesit, I am not sure about the sign up bonus, I can keep you posted, I cannot see my account details yet( but I think that was part of my original app)

Re: Success with Amex recon

red259 — Thu, 19 Sep 2013 23:34:47 GMT

@rob81 I didn't say it before, but congrats on your new card!

Re: Success with Amex recon

ezdoesit — Fri, 20 Sep 2013 01:24:40 GMT

@Anonymous wrote:
Ezdoesit, I am not sure about the sign up bonus, I can keep you posted, I cannot see my account details yet( but I think that was part of my original app)

Please do hope you get it. I also have the PRG and I am looking for a compliment card with MR points. Back and forth between the Mercedes and the Blue both have 10k bonus but like the fact that the Blue has no AF.