topic Re: Amex Denial in Credit Card Applications

Amex Denial

Anonymous — Sat, 09 Mar 2019 00:15:44 GMT

I was recently approved for the SPG Amex (before it was closed to new apps last month). Since then I applied for 2 cards and was denied via soft pull. I decided today to apply for the Delta Amex due to the sign up bonus and the app was cancelled and the reason stated “It is our policy not to approve those who we have recently declined.” Has anyone experienced this and is it worth a recon attempt? Also how long should I wait before the previous apps fall off and I could apply maybe again? Thank in advance! Don’t want to rock the boat too much as I was kinda surprised I got approved for the SPG in the first place.

Re: Amex Denial

Anonymous — Sat, 09 Mar 2019 00:40:17 GMT

Given your past history with them, and only being offered a $1000 SL on the SPG, I would say that they are treading lightly with you.

Give it some time, build up some positive equity with them.

Re: Amex Denial

Anonymous — Sat, 09 Mar 2019 00:44:01 GMT

Thanks for the advice! That’s what I was thinking. So far I’ve charged and paid $2,300 on the card. Increased my scores up to an average of 675 but still waiting for my other accounts to report 0 balances. Hopefully after 2-3 months of similar spend and payments they’ll take another look. It was worth a shot at the 60k miles though.

Re: Amex Denial

Anonymous — Sat, 09 Mar 2019 01:21:50 GMT

@Anonymous wrote:
Thanks for the advice! That’s what I was thinking. So far I’ve charged and paid $2,300 on the card. Increased my scores up to an average of 675 but still waiting for my other accounts to report 0 balances. Hopefully after 2-3 months of similar spend and payments they’ll take another look. It was worth a shot at the 60k miles though.

Keep doing what you're doing!

I too burned them on an old Optima card (the original revolver, not the current "penalty box" version). Was blacklisted 10+ years. Finally one day about two years ago they let me back in. Grabbed a Platinum charge and an Everyday card. The Everyday was $1000. Hey, I screwed them, so I wasn't complaining about the limit. I was chasing the SUB on both the Platinum and ED so I did like you're doing now, and used the hell out of it. Never carrying a balance, making multiple payments, etc. 61 days later I got my 3x CLI. Shortly after, I apped for the BCE and was approved for $7,100. So in less than 3 months I went from the blacklist to 10K of credit. My last Amex app was the SPG a few months ago. That was an approval with a $16,100 SL. (not sure why AMEX likes to start me off with the odd $x100 limits, but its what it is)

I also have the Gold card which is my go-to card, so it gets used heavily. Moral of the story is that it can be done! You'll have to prove yourself, but once they're comfortable with you, you'll be fine.

Re: Amex Denial

Jnbmom — Sat, 09 Mar 2019 01:25:49 GMT

@Anonymous wrote:
I was recently approved for the SPG Amex (before it was closed to new apps last month). Since then I applied for 2 cards and was denied via soft pull. I decided today to apply for the Delta Amex due to the sign up bonus and the app was cancelled and the reason stated “It is our policy not to approve those who we have recently declined.” Has anyone experienced this and is it worth a recon attempt? Also how long should I wait before the previous apps fall off and I could apply maybe again? Thank in advance! Don’t want to rock the boat too much as I was kinda surprised I got approved for the SPG in the first place.

When you applied did it state you were preapproved or was the wording "expand your membershop"?

I agree with others 1k limits are the barely getting in lines. Use your card wisely and it will grow eventually.

Re: Amex Denial

Meanmchine — Sat, 09 Mar 2019 02:38:52 GMT

Amex has a policy that there has to be a 90 day wait after an application is denied

Re: Amex Denial

CivalV — Sat, 09 Mar 2019 17:00:55 GMT

When I was denied for the Delta Gold, Amex stated I needed to wait at least 30 days and then I could reapply.

Re: Amex Denial

Anonymous — Sat, 09 Mar 2019 17:00:39 GMT

@Meanmchine wrote:
Amex has a policy that there has to be a 90 day wait after an application is denied.

how strict are they on that though, on 7/30/18 I was denied the Amex delta gold card but then reapplied on 8/31/18 and was approved for that same card.

Re: Amex Denial

Anonymous — Sat, 09 Mar 2019 21:48:33 GMT

Thanks everyone for the advice. To answer a few of the questions you all brought up. I applied via the link from the Delta site so didn’t get the “expanding your membership” notice. I called in today and the rep said to wait 30 days from the latest denial to reapply. Luckily these were soft pulls so my inquires are still only 1 for me Ford Motor Credit Jan of 18 and the SPG in Feb of 19 so happy about that. I’ll keep utilizing my current card and will hopefully have better luck in a few months. @ Fi-Fico-Fum your story gives me a lot of hope. Hopefully I’ll have a similar story soon!

Re: Amex Denial

Brian_Earl_Spilner — Mon, 11 Mar 2019 01:20:35 GMT

@Anonymous wrote:
@Meanmchine wrote:
Amex has a policy that there has to be a 90 day wait after an application is denied.

how strict are they on that though, on 7/30/18 I was denied the Amex delta gold card but then reapplied on 8/31/18 and was approved for that same card.

I applied 9 days after being denied and was approved for the same card I was denied for.

Re: Amex Denial

Jeffhacker — Tue, 19 Mar 2019 15:31:00 GMT

My situation was similar to you. Burned them years ago, was blacklisted 10 years. Recently got back in, with a Gold Card (don't need the revolving, so didn't apply for anything else). I notice you have both Gold and Platinum. Did you apply for both at the same time, or at two separate times? do you know if, under these circumstances, you can upgrade?

Re: Amex Denial

Anonymous — Sat, 23 Mar 2019 20:25:00 GMT

Update:
After reading a few of your responses I decided to pull the trigger again today and apply. I got the “we’re reviewing your application” pop-up. I decided to call in and after a few verification questions she told me I was approved! Only another 1k limit but happy to get the 60k skymiles bonus. I figured I had nothing to lose as it was another soft pull. Now to garden for a few months and hopefully get an offer for the Amex Gold or Platinum.

Re: Amex Denial

joltdude — Sat, 23 Mar 2019 22:28:31 GMT

Key here will be at least 2 months preferably 3 months into owning that new card...

-J

The 1000 CL can be problematic... but is not necessarily so...

As some folks have said.. 1000$ is kinda the minimum you usually see for an Amex approval... its a we see something worth giving you a chance but we have some concerns about your score or CR....

You could in theroy try the 61 day CLI but if you want to make *sure* your scores are updated and I think (personal opinion).. wait the extra month .....

Goodluck

-J