topic American Express second card application in Credit Card Applications

American Express second card application

Ramsport — Tue, 02 Aug 2022 01:51:00 GMT

On July 2nd I was proved for the platinum card with a score of 666. The app brought my score down to 649 which I should have been prepared for but I turned around and applied for the blue cash and was denied.

My Experian is now sitting at a healthy 733 way higher than it was when I got approved and I'm wondering what anyone thinks my chances are of getting a second. Tomorrow will be the 31st day since I was declined and you have to wait 30 days from the declination in order to apply for anything. Any thoughts from the American Express experts would be appreciated

Re: American Express second card application

simplynoir — Tue, 02 Aug 2022 03:26:38 GMT

What was the denial reason(s) for the Blue Cash app? If those were addressed then you have a good chance to get approved the second go around. I think I would give it a little more time to be sure but that is just me. I would just make sure the FICO 08 EX score they currently have for you matches the 733 you have right now

To check that from the main dashboard online: Account Services -> Profile. From there on the bottom after all your info you should see "View FICO Score". Click that and that there is what they will base their decision on most of the time especially if it is going to be a SP for the app. What some people have done is see their EX score improve and did not wait for AMEX to update the scores on their end. They only find out when they receive the denial letter showing the older score being used and not the improved score

Re: American Express second card application

SouthJamaica — Tue, 02 Aug 2022 21:35:44 GMT

@Ramsport wrote:
On July 2nd I was proved for the platinum card with a score of 666. The app brought my score down to 649 which I should have been prepared for but I turned around and applied for the blue cash and was denied.
My Experian is now sitting at a healthy 733 way higher than it was when I got approved and I'm wondering what anyone thinks my chances are of getting a second. Tomorrow will be the 31st day since I was declined and you have to wait 30 days from the declination in order to apply for anything. Any thoughts from the American Express experts would be appreciated

Since Amex usually bases subsequent card applications on a soft pull, you should check the score and date of your EX FICO 8 on the site. If it's 733 there, then I would say you're good to go.

Re: American Express second card application

Ramsport — Tue, 02 Aug 2022 21:47:22 GMT

Thank you. But as far as I can tell the score on Amex dash is a vantage score. You have to call in to get the score they used to deny you.

I called and my score is from July 2. That app says still in progress so the computer has me locked in 30 day limbo.

On hold with them right now.

Re: American Express second card application

OmarGB9 — Wed, 03 Aug 2022 00:15:56 GMT

@Ramsport wrote:
Thank you. But as far as I can tell the score on Amex dash is a vantage score. You have to call in to get the score they used to deny you.
I called and my score is from July 2. That app says still in progress so the computer has me locked in 30 day limbo.
On hold with them right now.

They also provide your EX FICO 8.

Re: American Express second card application

simplynoir — Wed, 03 Aug 2022 02:59:11 GMT

@OmarGB9 wrote:
@Ramsport wrote:
Thank you. But as far as I can tell the score on Amex dash is a vantage score. You have to call in to get the score they used to deny you.
I called and my score is from July 2. That app says still in progress so the computer has me locked in 30 day limbo.
On hold with them right now.
They also provide your EX FICO 8.

Yeah, I gave the steps in my post but I guess either he didn't check or just saw the first "check your score here" link that's at the main dashboard

Re: American Express second card application

SouthJamaica — Wed, 03 Aug 2022 14:45:23 GMT

@Ramsport wrote:
Thank you. But as far as I can tell the score on Amex dash is a vantage score. You have to call in to get the score they used to deny you.
I called and my score is from July 2. That app says still in progress so the computer has me locked in 30 day limbo.
On hold with them right now.

No, the FICO score is there too. Account Services > Profile > View FICO Score

Re: American Express second card application

Mdowning30 — Wed, 03 Aug 2022 15:16:28 GMT

My Experian score on the Experian app has updated, but hasnt yet on the Amex app, do i need to wait for it to update there too or would they have the current numbers Fico8/Bankcard ? Last check was July 12th.

My account is 91 days on 8/5, my 3rd statement cuts on 8/7.

Re: American Express second card application

OmarGB9 — Wed, 03 Aug 2022 21:31:44 GMT

@Mdowning30 wrote:
My Experian score on the Experian app has updated, but hasnt yet on the Amex app, do i need to wait for it to update there too or would they have the current numbers Fico8/Bankcard ? Last check was July 12th.

My account is 91 days on 8/5, my 3rd statement cuts on 8/7.

Wait for Amex to update the score they show you. Then you'll know they've done their monthly SP and will have your most up to date score.

Re: American Express second card application

W261w261 — Thu, 04 Aug 2022 14:19:09 GMT

Today is Aug 3. I looked up my Amex FICO score just now and it's dated July 22, so about 10 days behind.

Re: American Express second card application

Ramsport — Thu, 04 Aug 2022 01:12:19 GMT

Thank you for everyone who responded but I do know where the FICO scar is.

What I'm talking about is I applied on July 2nd and it was declined.

Now normally you get a letter in the mail saying to wait 30 days before you reapply. And the same computer system is responsible for sending you the email that you can look up the reasons electronically.

The problem is the July 2nd application in their computer says still in progress.

So as far as their computer is concerned,

I am not out of that 30-day window.

Until they reconcile with the July 2nd application I can't apply for anything because I will only receive you're still within 30 days from the time we declined. I've already reached out to the corporate office and even they said to write into the chairman because there's clearly something wrong with the computer system.

And speaking with customer service new accounts get you nowhere.

Re: American Express second card application

arifjk — Sat, 06 Aug 2022 16:44:48 GMT

Then just wait until the FICO8 score on AMEX matches with your score on Experian. A few days wait will be worth the wait though they may not do an HP even when you are denied.

Re: American Express second card application

Ramsport — Sat, 06 Aug 2022 17:45:48 GMT

I got you beat mine's from July 5th. The rep said they updated as soon as your statement.

Been there done that my statement cut I paid my bill. Still limbo.

Re: American Express second card application

Ramsport — Sat, 06 Aug 2022 17:52:33 GMT

So I just checked my Experian app and my score went down 11 points.

No changes on my credit report whatsoever I think it went down because it rained last night. Lol.

By the time they get around to updating the credit score my score will be in the toilet.

Re: American Express second card application

W261w261 — Wed, 10 Aug 2022 02:10:49 GMT

My Amex FICO score is almost 3 weeks old. Still watching.

Re: American Express second card application

Ramsport — Wed, 10 Aug 2022 03:15:22 GMT

Thank you for all the responses.

As of today my credit score with American Express still says July 5th.

One of amex's reps actually told me it was the credit bureau's fault.

And the promise of a call back within 3 to 5 days. Nada

Nada also to hearing back from the executive office.

I know this may sound Petty but I expect more from a company like American Express particularly with their computer software.

Everyone knows I wouldn't be able to use a computer glitch as an excuse for my payment being late.

But they are a private business and I don't have to do business with them so it's my prerogative whether this is agreeable or not.

Thank you again to everyone

Re: American Express second card application

bigseegar — Wed, 10 Aug 2022 12:17:54 GMT

@Ramsport wrote:
Thank you for all the responses.
As of today my credit score with American Express still says July 5th.
One of amex's reps actually told me it was the credit bureau's fault.
And the promise of a call back within 3 to 5 days. Nada
Nada also to hearing back from the executive office.
I know this may sound Petty but I expect more from a company like American Express particularly with their computer software.
Everyone knows I wouldn't be able to use a computer glitch as an excuse for my payment being late.
But they are a private business and I don't have to do business with them so it's my prerogative whether this is agreeable or not.
Thank you again to everyone

AmEx must be doing "something" right as they passed Chase in 2022 to become the #1 largest credit card issuer in the US with $754.9 billion in outstanding CL's, passing Chase by $15 Billion and they have 2X the outstanding CL's of 3.Citi, 4. Cap1, 5. BOA have issued and 5X what 6. Discover and 7. US Bank have issued and 7X what Wells Fargo has issued. AmEx is also is the World's highest per card holder purchase volume card issuer, with an average of $14,480 in charges per cardholder annually and they have 114 Million cards issued in 160 Countries.

Re: American Express second card application

Ramsport — Wed, 10 Aug 2022 15:09:22 GMT

I am 35 days behind.