topic Re: AMEX BCP Denial w/ EX 832 - Help Needed in Credit Card Applications

AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Wed, 20 Oct 2021 18:10:20 GMT

Good afternoon. Applied for the Amex BCP this afternoon and received immediate denial. Will receive a letter in 10 days. I decided to call and they said reason for denial is too many new accounts opened recently. Have only opened an auto loan last year, but other than that nothing in the last 12 months. Is recon an option? What would I exactly say to overturn their decision? Can anyone please provide the direct number to recon? This list above this page is a bit confusing with no mention of a direct recon number. I'm pretty bummed because it is my first denial.

EX FICO 8: 832

Inquiries: 3/24, 0/12

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Wed, 20 Oct 2021 18:28:57 GMT

WOW I don't blame you for being upset. However, they do consider more then just your scores. Income, DTI, etc. Please wait for the letter and post exactlly the reason. The reason told to you is probably a mistake

Thanks

Mark

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Trini88 — Thu, 21 Oct 2021 12:37:27 GMT

That's CRAZY!!!!! You should have easily gotten that card before me 🥴. I was going to say there is a list but looks like you looked at it already, hope someone has that number for you smh, I would definitely recon if I were in your shoes. Good Luck!!

Re: AMEX BCP Denial w/ EX 832 - Help Needed

SouthJamaica — Thu, 21 Oct 2021 14:55:46 GMT

@Anonymous wrote:
Good afternoon. Applied for the Amex BCP this afternoon and received immediate denial. Will receive a letter in 10 days. I decided to call and they said reason for denial is too many new accounts opened recently. Have only opened an auto loan last year, but other than that nothing in the last 12 months. Is recon an option? What would I exactly say to overturn their decision? Can anyone please provide the direct number to recon? This list above this page is a bit confusing with no mention of a direct recon number. I'm pretty bummed because it is my first denial.

EX FICO 8: 832
Inquiries: 3/24, 0/12

You should definitely recon, because there is a definite mistake. I would start with this number: 800-567-1083

Re: AMEX BCP Denial w/ EX 832 - Help Needed

IntegerIntrovert — Fri, 22 Oct 2021 19:05:26 GMT

What's your previous history (good or bad) with AMEX if you have history with them?

Re: AMEX BCP Denial w/ EX 832 - Help Needed

stw715 — Fri, 22 Oct 2021 23:27:09 GMT

Do you still have BCE? What other AmEx cards do you have?

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Fri, 29 Oct 2021 20:27:21 GMT

@SouthJamaica Thank you for the number. I'm definitely going to recon.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Fri, 29 Oct 2021 20:28:28 GMT

@IntegerIntrovert No current or previous relationship with AMEX.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Fri, 29 Oct 2021 20:29:44 GMT

@stw715 I have no relationship with AMEX. I helped a sibling acquire the BCE in the past.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Fri, 29 Oct 2021 20:49:11 GMT

@Anonymous I finally received the denial letter in the mail. It states the following

Reason of our decison:

1. Based on your credit report, you have too many new bank card accounts.

That's the only reason stated.

Below are my DP:

Inquiries (month/year): 11/19, 12/19, 9/20

EX FICO 8: 832

Inquiries: 0/12, 3/24

Accounts opened: 0/12, 3/24

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Sat, 30 Oct 2021 16:08:44 GMT

Sorry to hear that. Please keep calling them. This is weird. To tell you the truth I am having a little Amex problem too regarding any application. However, for your case this seems too extreme for them to deny you. Must be a mistake.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Sat, 30 Oct 2021 16:22:45 GMT

@Anonymous I called recon yesterday and was told they're unable to send my application for a manual review. If it was any other reason for denial, they could've done something. Was told to reapply after 30 days.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Sat, 30 Oct 2021 16:43:52 GMT

Sorry to hear that. I, myself still need to settle things with Amex and close two accounts with them sometime later.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

MrDisco99 — Sat, 30 Oct 2021 17:23:50 GMT

Wow... yeah something is not right there. That sucks they shut down your recon attempt. I would've thought you'd have a guaranteed approval with your DPs.

You're certain there's no history? Not even AU accounts? Previous denials?

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Anonymous — Sat, 30 Oct 2021 17:32:45 GMT

@MrDisco99 I'm in shock, too. This is my first ever denial. No previous history with Amex, ever. They didn't like the fact I had three new cards in the past 24 month.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

kilroy8 — Sat, 30 Oct 2021 17:38:22 GMT

Maybe they started taking queues from US Bank.

A 3/24 denial is staggering.

Re: AMEX BCP Denial w/ EX 832 - Help Needed

Trini88 — Sat, 30 Oct 2021 19:59:33 GMT

@Anonymous wrote:
@Anonymous I finally received the denial letter in the mail. It states the following

Reason of our decison:
1. Based on your credit report, you have too many new bank card accounts.

That's the only reason stated.

Below are my DP:
Inquiries (month/year): 11/19, 12/19, 9/20
EX FICO 8: 832
Inquiries: 0/12, 3/24
Accounts opened: 0/12, 3/24

Wow!!!! 😮