topic Re: AMEX Green Card app declined in Credit Card Applications

AMEX Green Card app declined

awg420 — Tue, 01 Aug 2017 23:01:30 GMT

I was approved for the AMEX BCE two weeks ago and decided to see if I could use that HP to apply for the AMEX Green Card. While I was able to use the orginal HP I was declined for the second card due to:

The number of creditors who have reviewed your credit report.
Your FICO® score (see below)
The length of time you have been a customer with American Express is too short.

Score that AMEX pulled from Experian was 660

Re: AMEX Green Card app declined

shoegal — Wed, 02 Aug 2017 01:11:42 GMT

I got the same response when I applied for the PRG right after the ED was approved last month.

Re: AMEX Green Card app declined

AverageJoesCredit — Wed, 02 Aug 2017 01:13:34 GMT

What a weird first reason, number of creditors who have viewed your credit. Wonder if that refers to many inqs too close together before apping for Amex?

Re: AMEX Green Card app declined

Anonymous — Wed, 02 Aug 2017 03:27:18 GMT

Have you tried recon with INS?

Re: AMEX Green Card app declined

awg420 — Wed, 02 Aug 2017 03:53:31 GMT

Since being approved for the BCE I've only apped Discover and been approved. However, it doesn't look like they did another HP so the Discover shouldn't even be in question

Haven't tried recon yet as I apped after hours.

Re: AMEX Green Card app declined

Anonymous — Wed, 02 Aug 2017 20:00:24 GMT

Absolutely do a recon.

Re: AMEX Green Card app declined

drboxing — Thu, 03 Aug 2017 19:12:27 GMT

I applied for the Green Card and was declined, 2 months later I applied for the Delta Gold and was approved for $1000, my plan is to use the Delta, pay in full each month then in approximately 6 months I'll try for the Green again

Re: AMEX Green Card app declined

Anonymous — Thu, 03 Aug 2017 19:18:54 GMT

@AverageJoesCredit wrote:
What a weird first reason, number of creditors who have viewed your credit. Wonder if that refers to many inqs too close together before apping for Amex?

Doesn't that mean too many inquires..??? Excuse my ignorance...

Re: AMEX Green Card app declined

awg420 — Thu, 03 Aug 2017 21:22:54 GMT

I would assume it refers to INQs but it's a werid reason considering that it wasn't an issue two weeks before for a CC as opposed to a charge card. Called to do a recon and they said I'd have to wait the 30 days and would require another HP.