topic Re: Amex Blue denial in Credit Card Applications

Amex Blue denial

Anonymous — Tue, 17 Mar 2020 14:16:33 GMT

Hey guys applied for the basic blue and got denied, they pulled Experian with a 712 kinda disappointed about this.

Our evaluation of the inquiries on your credit report based on the number, type and recency. (Experian)

Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian)

Too few of your accounts or loans have always been paid on time during the last 24 months (Experian)

The length of time is too short since the first account on your credit report was opened. (Experian)

Are the reasons they cited for denial. Is it worth a recon call or should I just take the loss and garden?

Re: Amex Blue denial

pinkandgrey — Tue, 17 Mar 2020 15:44:41 GMT

Recon is ALWAYS worth a call (unless we're talking about Cap One lol)

Give it a shot because you have nothing to lose.

Sorry about the denial but you never know!

Good luck!

Re: Amex Blue denial

blindambition — Tue, 17 Mar 2020 16:39:22 GMT

The third reason shows late payments on acts. If this correct, I don't see a recon. Especially if lates are somewhat recent.

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 17:00:13 GMT

^^^ agreed. If the reasons are accurate per your profile then recon is unlikely to help.

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 17:03:34 GMT

@blindambition wrote:
The third reason shows late payments on acts. If this correct, I don't see a recon. Especially if lates are somewhat recent.

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 17:43:23 GMT

Don't have any late payments on my report tho 🤔

Re: Amex Blue denial

Openwater — Tue, 17 Mar 2020 19:15:54 GMT

@Anonymous wrote:
Don't have any late payments on my report tho 🤔

Have you pulled a recent report to verify this? If so I'd try the recon. I think its odd that they would through out a generic late payment reason in there. But I could be wrong. Stranger things have happened. Best of luck!

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 19:33:55 GMT

If you have lates that's gonna be a no go with AMEX

@Anonymous wrote:
Hey guys applied for the basic blue and got denied, they pulled Experian with a 712 kinda disappointed about this.

Our evaluation of the inquiries on your credit report based on the number, type and recency. (Experian)
Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian)
Too few of your accounts or loans have always been paid on time during the last 24 months (Experian)
The length of time is too short since the first account on your credit report was opened. (Experian)

Are the reasons they cited for denial. Is it worth a recon call or should I just take the loss and garden?

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 20:51:04 GMT

That's the weird thing though, I don't have any lates on any of my 3 reports

Re: Amex Blue denial

EdMan63 — Tue, 17 Mar 2020 21:28:20 GMT

@Anonymous wrote:
Hey guys applied for the basic blue and got denied, they pulled Experian with a 712 kinda disappointed about this.

Our evaluation of the inquiries on your credit report based on the number, type and recency. (Experian)
Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian)
Too few of your accounts or loans have always been paid on time during the last 24 months (Experian)
The length of time is too short since the first account on your credit report was opened. (Experian)

Are the reasons they cited for denial. Is it worth a recon call or should I just take the loss and garden?

I don't take that as you paying late but as a short pay history. Seems like you have opened too many accounts in a short period of time for their liking. You could always try a recon.

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 21:34:53 GMT

@EdMan63 wrote:
@Anonymous wrote:
Hey guys applied for the basic blue and got denied, they pulled Experian with a 712 kinda disappointed about this.

Our evaluation of the inquiries on your credit report based on the number, type and recency. (Experian)
Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian)
Too few of your accounts or loans have always been paid on time during the last 24 months (Experian)
The length of time is too short since the first account on your credit report was opened. (Experian)

Are the reasons they cited for denial. Is it worth a recon call or should I just take the loss and garden?
I don't take that as you paying late but as a short pay history. Seems like you have opened too many accounts in a short period of time for their liking. You could always try a recon.

That's how I read it as well.

Re: Amex Blue denial

Anonymous — Tue, 17 Mar 2020 21:41:37 GMT

Regardless of any confusion over the reasons listed, you have nothing to lose by calling the recon line, OP.

Re: Amex Blue denial

seattletravels — Tue, 17 Mar 2020 21:50:58 GMT

Try the recon! Let us know how it goes!

Re: Amex Blue denial

Openwater — Wed, 18 Mar 2020 02:15:34 GMT

Well, I stand corrected. I decided to see if I would get approved for an Apple card. Not because I wanted it, just cause I was bored and wanted to test the waters. My rejection reason was "you have recently been past due". Which is most definitely not the case. So I stand corrected, it can randomly throw out whatever it wants.... LOL