topic Amex Recon? in Credit Cards

Amex Recon?

Anonymous — Tue, 19 May 2015 02:07:11 GMT

Are they generous with recons? Or if denied should you just pack your bags and hit the road?

Re: Amex Recon?

B335is — Tue, 19 May 2015 02:09:57 GMT

Only if something has changed on your reports. Otherwise they stand by the computer decision.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:16:09 GMT

Not always. If you're persuasive enough they might change the decision Worked for me

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:23:22 GMT

@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.

I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:31:18 GMT

@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:32:10 GMT

I'm a born pessimist, so I'm expecting the deny before i even apply, lmao,

Re: Amex Recon?

longtime_lurker — Tue, 19 May 2015 02:35:51 GMT

@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.

I doubt they'd deny that

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:36:51 GMT

@longtime_lurker wrote:
@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.
I doubt they'd deny that

One would assume so, and hope not. However, we're talking about my luck here, lol.

Re: Amex Recon?

longtime_lurker — Tue, 19 May 2015 02:38:22 GMT

@Lincoln465 wrote:
@longtime_lurker wrote:
@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.
I doubt they'd deny that
One would assume so, and hope not. However, we're talking about my luck here, lol.

They're not taking any extra risk, just getting an extra 100 AF from you. lol

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:42:45 GMT

@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.

You actually bring an interesting scenario up. Can one actually recon a PC when denied? Will this be the first? Probably not - being the first to recon a PC. I think they will go by your soft pulled report and so try. All they can say is a NO.

What product are you looking ot PC to?

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:42:28 GMT

@longtime_lurker wrote:
@Lincoln465 wrote:
@longtime_lurker wrote:
@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.
I doubt they'd deny that
One would assume so, and hope not. However, we're talking about my luck here, lol.
They're not taking any extra risk, just getting an extra 100 AF from you. lol

Lol. Yeah, I know the $100.00 more is a hit, but I feel it'll be worth it to me, as I would get better bang for my buck then I do with the green.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:43:58 GMT

@Anonymous wrote:
@Lincoln465 wrote:
@Anonymous wrote:
@B335is wrote:
Only if something has changed on your reports. Otherwise they stand by the computer decision.
I agree to this - Since they go by the soft pulls it wil lbe dependant on what is in your file at time of pull. Did you apply and if so, what was the message received?

I, actually didnt apply yet. What I wanted to do was to PC my green to a PRG. I'm asking about a recon incase they deny my PC I wanted to know what the chances were of a reconsideration, lol.
You actually bring an interesting scenario up. Can one actually recon a PC when denied? Will this be the first? Probably not - being the first to recon a PC. I think they will go by your soft pulled report and so try. All they can say is a NO.

What product are you looking ot PC to?

I'm looking to PC my green to the PRG (Rewards Gold)

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:45:59 GMT

I'm looking to PC my green to the PRG (Rewards Gold)

Why not just apply straight up for the PRG? It wil lbe a soft pull any way instead of PC'ing?

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:46:12 GMT

I mean I've taken care of the green card for them, lol. Used it heavily off and on just to build a relationship, PIF every month obviously. I wouldn't see a reason to deny me. As the other poster said. They're only helping themselves by taking the extra greenbacks from me.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:47:20 GMT

@Anonymous wrote:
I'm looking to PC my green to the PRG (Rewards Gold)
Why not just apply straight up for the PRG? It wil lbe a soft pull any way instead of PC'ing?

But, then i'd have both cards, and i'd be paying both AFs. I don't really like canceling a card. Because i'd cancel out that history with them.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:49:48 GMT

@Lincoln465 wrote:
@Anonymous wrote:
I'm looking to PC my green to the PRG (Rewards Gold)
Why not just apply straight up for the PRG? It wil lbe a soft pull any way instead of PC'ing?
But, then i'd have both cards, and i'd be paying both AFs. I don't really like canceling a card. Because i'd cancel out that history with them.

Apply for the PRG and if approved, call and cancel the Green outright.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:51:02 GMT

Wouldn't that cancel out my history with them then though? I'd be seen as a "new" customer instead of one with the good history, no?

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:52:36 GMT

@Lincoln465 wrote:
Wouldn't that cancel out my history with them then though? I'd be seen as a "new" customer instead of one with the good history, no?

That will not cancel your history with them. Ones you have a card, you build your internal score also and that is used to determine furture apps. Nothing is cacelled out.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:55:01 GMT

@Anonymous wrote:
@Lincoln465 wrote:
Wouldn't that cancel out my history with them then though? I'd be seen as a "new" customer instead of one with the good history, no?
That will not cancel your history with them. Ones you have a card, you build your internal score also and that is used to determine furture apps. Nothing is cacelled out.

Ok, thanks. Now I know you wouldnt know for sure, but in your opinion: What're the approval odds? They deny me for the ED card twice now for reasons of "Not enough history" Are the charge cards typically easier to be approved for then the revolver? Especially considering i already have one.

Re: Amex Recon?

Anonymous — Tue, 19 May 2015 02:56:51 GMT

@Lincoln465 wrote:
@Anonymous wrote:
@Lincoln465 wrote:
Wouldn't that cancel out my history with them then though? I'd be seen as a "new" customer instead of one with the good history, no?
That will not cancel your history with them. Ones you have a card, you build your internal score also and that is used to determine furture apps. Nothing is cacelled out.
Ok, thanks. Now I know you wouldnt know for sure, but in your opinion: What're the approval odds? They deny me for the ED card twice now for reasons of "Not enough history" Are the charge cards typically easier to be approved for then the revolver? Especially considering i already have one.

Charge cards are easier to get. But what are your scores and when was the last 2 denial? The consolation in the denial is that you don't get a hardpull for the application. So when was the last denial?