topic Re: Amex decline and approved within 30 day window. in Credit Card Approvals

Amex decline and approved within 30 day window.

MICHAELM30 — Thu, 03 Aug 2017 05:30:32 GMT

Hello all, just wanted to share my experience with Amex. I've had the unicorn(zync) card since 2011 and have been declined for every other Amex card i've app'd for since then, even with scores of 690+ with a few baddies and have been approved every other major card. On 07/20 i app'd for the blue cash everyday but was declined again with a 684 ex fico and called to recon but was told by the rep i had to wait 30 days to apply again. Fast forwad to today which is 12 days later, i pif'd a few cards and brought my utilization down from 37% to 2% and ex fico jumped to 750. Re-app'd for blue cash and was instantly approved for 8k so decided to app for everyday and was also instant for 8k. Don't know if this has been discussed before but just wanted to debunk the 30 day myth if it hasnt already been.

Re: Amex decline and approved within 30 day window.

trant3 — Thu, 03 Aug 2017 02:06:53 GMT

Congrats. Since you'd already have an Amex card, I suspect a SP account review may have occured in between the 12 days and recoginized the EX score change, resulting in the approvals. Also, very likely both apps = 1 HP

Re: Amex decline and approved within 30 day window.

Anonymous — Thu, 03 Aug 2017 02:15:04 GMT

Congrats! I was under the impression Amex required 5 days between credit card approvals (not the credit/charge combo of course).

Re: Amex decline and approved within 30 day window.

SouthJamaica — Thu, 03 Aug 2017 02:17:33 GMT

@MICHAELM30 wrote:
Hello all, just wanted to share my experience with Amex. I've had the unicorn(zync) card since 2011 and have been declined for every other Amex card i've app'd for since then, even with scores of 690+ with a few baddies and have been approved every other major card. On 07/20 i app'd for the blue cash everyday but was declined again with a 684 ex fico and called to recon but was told by the rep i had to wait 30 days to apply again. Fast forwad to today which is 12 days later, i pif'd a few cards and brought my utilization down from 37% to 2% and ex fico jumped to 750. Re-app'd for blue cash and was instantly approved for 8k so decided to app for everyday and was also instant for 8k. Don't know if this has been discussed before but just wanted to debunk the 30 day myth if it hasnt already been.

Congratulations. I guess it pays to be persistent.

Re: Amex decline and approved within 30 day window.

MICHAELM30 — Thu, 03 Aug 2017 02:25:46 GMT

Thanks all and here's the kicker, i just checked my reports and there are no new hard pulls so it appears they approved both with a softy.

Re: Amex decline and approved within 30 day window.

shoegal — Thu, 03 Aug 2017 03:04:49 GMT

Congrats! Persistence pays off. I've an ED and I got the BCE two days ago with a soft pull. Might be a new thing Amex is doing for card members.

Re: Amex decline and approved within 30 day window.

Anonymous — Thu, 03 Aug 2017 16:02:39 GMT

My new BCE was a SP too...my Skymiles card is only 45 days old and these are my first-ever exposure to AMEX except as an AU of some sort on a business account back in the 90s.

Re: Amex decline and approved within 30 day window.

drboxing — Fri, 04 Aug 2017 02:10:00 GMT

Congrats, I applied for the Green card 2 months ago and was declined, applied for Delta Gold and was approved for $1000, maybe ill wait a few months and try again for the Green or Gold charge card

Re: Amex decline and approved within 30 day window.

AverageJoesCredit — Fri, 04 Aug 2017 19:06:50 GMT

Congrats

Re: Amex decline and approved within 30 day window.

CreditMagic7 — Fri, 04 Aug 2017 19:21:03 GMT

Congrats! with the new Amex approval.