topic Amex BCE denied ??? in Credit Card Applications

Amex BCE denied ???

Anonymous — Tue, 17 Apr 2018 14:19:36 GMT

Hello , Thank you guys for any comment or advice I can get on this topic . i did applied for the Amex BCE ( stupid) , I got denial I’ve called immediately to Crs for a recon . I’m now on in progress status . My file is thin but I did apply because had same courage from my previous apps wich been canceled they’ve asked me for the 4056t but those are business apps, however what do you think do I have a empy hope in here or? This is the reason of the denial for BCP .

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We evaluated your application using a credit scoring system that considers various pieces of information, including your credit report. The following key factors contributed to our evaluation:
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Our evaluation of the inquiries on your credit report based on the number, type and recency. (Equifax)
No recent record of bank or retail revolving accounts. (Experian)
The length of time is too short since the first account on your credit report was opened. (Equifax)
There are no credit card accounts, excluding retail cards, on your credit report. (Equifax)
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Information About Your FICOÂ® Score
We obtained your FICO score from Equifax and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On April 16, 2018, your FICO score was 734. The FICO score ranges from 300 to 850. The following are the key factors that contributed to your FICO score:

Re: Amex BCE denied ???

jbsea — Tue, 17 Apr 2018 14:30:28 GMT

How many cc so you have? How long have you had them?

Re: Amex BCE denied ???

FinStar — Tue, 17 Apr 2018 15:49:41 GMT

Seems like a pretty standard response from AMEX given your thin profile. If you are applying for too many CCs in a very short period of time then it could be perceived as sign of being desperate for credit and/or potentially overextending yourself.

Most AMEX reconsiderations aren't known to be as successful but YEMV.

Re: Amex BCE denied ???

Anonymous — Tue, 17 Apr 2018 21:45:16 GMT

@Anonymous wrote:
Hello , Thank you guys for any comment or advice I can get on this topic . i did applied for the Amex BCE ( stupid) , I got denial I’ve called immediately to Crs for a recon . I’m now on in progress status . My file is thin but I did apply because had same courage from my previous apps wich been canceled they’ve asked me for the 4056t but those are business apps, however what do you think do I have a empy hope in here or? This is the reason of the denial for BCP .

Â
We evaluated your application using a credit scoring system that considers various pieces of information, including your credit report. The following key factors contributed to our evaluation:
Â
Our evaluation of the inquiries on your credit report based on the number, type and recency. (Equifax)
No recent record of bank or retail revolving accounts. (Experian)
The length of time is too short since the first account on your credit report was opened. (Equifax)
There are no credit card accounts, excluding retail cards, on your credit report. (Equifax)
Â
Information About Your FICOÂ® Score
We obtained your FICO score from Equifax and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On April 16, 2018, your FICO score was 734. The FICO score ranges from 300 to 850. The following are the key factors that contributed to your FICO score:

Your recon will be declined.