topic American Express Green Application in Credit Card Applications

American Express Green Application

Gatortrout — Mon, 12 Oct 2020 02:11:12 GMT

I have been rebuilding my credit over the past several months. I have gotten my Experian FICO up to 629 as of today. I used to have a AMEX BCP and burned them for $12k back in 2014 or 2015. I did settle with them for around 50% back in 2018. I have apped for the Delta Gold and and Gold Rewards earlier this year and got declined. I assumed I would get declined for the Green card too, but in the "Status of Application" column all of my past attempts say "Declined" including the Delta Gold I apped for tonight right before the Green. However, the Green Card says "Provide Required Information". I wonder if that means I could maybe be approved? I called Amex but the department I need to speak with won't be in until tomorrow. Fingers crossed that I have a chance at being approved.

Re: American Express Green Application

JustJay119 — Mon, 12 Oct 2020 00:42:47 GMT

Good luck! I hope you are given a second chance! Ill be looking for your update

Re: American Express Green Application

Anonymous — Mon, 12 Oct 2020 00:45:36 GMT

Sounds like ID verification and if so, that's probably a good sign. Good luck and let us know how it goes!

Re: American Express Green Application

Gatortrout — Mon, 12 Oct 2020 01:19:54 GMT

Man I hope it is ID verification! I would be ecstatic if I get approved and get a second chance with them.

Re: American Express Green Application

gingerflower — Mon, 12 Oct 2020 01:40:17 GMT

@Gatortrout

Fingers crossed for you!! Good Luck 👍

Re: American Express Green Application

Anonymous — Mon, 12 Oct 2020 01:46:53 GMT

Hate to be that guy, but it probably means cancelled.

At least all of mine that were cancelled change to that status on the page

Excessive apps = cancelled

Re: American Express Green Application

Gatortrout — Mon, 12 Oct 2020 01:57:38 GMT

@Anonymous

Are two apps considered excessive?

Re: American Express Green Application

coldfusion — Mon, 12 Oct 2020 01:58:23 GMT

Because you came to an agreed settlement with them there will be a day when they're willing to let you back in, the question is if it's been long enough yet. I know we've had a few members here who settled in full that reported approvals at 61+ months but I don't remember any reported results at 5-6 years out when there was an agreed-upon partial settlement. (no settlement meant denials)

If they deny you a Green card but counteroffer you with an Optima card take it, it's a stepping stone and if you don't abuse it in a year they should be willing to approve you for the card you want.

Re: American Express Green Application

coldfusion — Mon, 12 Oct 2020 02:02:09 GMT

@Gatortrout wrote:
@Anonymous

Are two apps considered excessive?

Applying for a revolver (Delta Gold) and a charge card (Green) on the same day has traditionally been OK but normally one would wait for the 1st card to be approved before applying for the 2nd one.

Re: American Express Green Application

Gatortrout — Mon, 12 Oct 2020 02:06:23 GMT

@coldfusion

I know I took the wrong route maybe in my applying, however I thought maybe there would be a sliver of hope with slightly different underwriting on the Charge card. I Still have my fingers crossed that it works out.

Does anyone ever remember anyone getting declined for revolver and then get approved for a charge card in the same day?

Re: American Express Green Application

Loquat — Mon, 12 Oct 2020 02:21:49 GMT

Best of luck to you OP. Chime back in and let us know the status once you speak with them tomorrow if you desire.

Re: American Express Green Application

Anonymous — Mon, 12 Oct 2020 03:44:12 GMT

Good luck, hope they offer a second chance. Fingers crossed for you. 🤞🏾

Re: American Express Green Application

drboxing — Mon, 12 Oct 2020 12:43:37 GMT

Hope it works in your favor, please keep us posted on your approval or denial

Re: American Express Green Application

Gatortrout — Mon, 12 Oct 2020 13:26:27 GMT

Well unfortunately Dumbee was correct. It was a cancelled app.

I will wait a few months and try it again.

Re: American Express Green Application

drboxing — Mon, 12 Oct 2020 13:35:54 GMT

Sorry it didn’t work out. I included AMEX in BK back in 2006, it took me forever to get back with Amex. Got my first approval (Delta Gold $1k SL) in 2017. Now I have about 4 cards with Amex. Eventually it’ll work for you

Re: American Express Green Application

gingerflower — Mon, 12 Oct 2020 17:29:56 GMT

@Gatortrout

Sorry on the decision.

Re: American Express Green Application

sxa001 — Mon, 12 Oct 2020 18:45:39 GMT

@Gatortrout wrote:
Well unfortunately Dumbee was correct. It was a cancelled app.

I will wait a few months and try it again.

I am sorry to hear that was the case for you. While you can certainly try again in a few months, with the settlement being so recent you may want to want a year or more before trying again. With it being a settlement and not the full amount it will be harder to get back in but you may have luck and I hope you do!