topic Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled in Credit Cards

Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 02:45:24 GMT

Hey guys... have been reading here a lot lately... have been rebuilding my credit - currently around 650 average.

I used to have an Amex gold and platinum, but closed them down to identity theft. currenty am an AU on a centurion. I checked the prequalify for personal cards - saw the platinum again (before my score was lower i saw nothing).

So I applied - it went to pending, then denied a few minutes later... when i check this is what it displays:

Sorry, your application cannot be accessed.
Please try again later.

Obviously confused- i have checked across numerous browsers. So i called the automated system, the reason for my denial was given to me as "My COMMERCIAL credit score is too low". Does anyone know what this means?

I am planning to recon this anyways, but this whole thing has me confused.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

myjourney — Tue, 24 May 2016 02:52:38 GMT

Welcome to the forum

I've never seen that message and what's strange is even if you made a mistake and applied for a business card there based on personal scores so very interesting indeed

Can you post the link to the pre-approval you used?

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 02:56:49 GMT

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 03:28:09 GMT

Link used: https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&category=MOSTPOPULAR#!view-your-prequalified-offers

Here is screenshots: http://imgur.com/a/L1lW8 (couldn't figure out how to upload to this thread)

Thanks!

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

myjourney — Tue, 24 May 2016 03:43:32 GMT

Interesting

You have 2 things going on

1) says can't access as in app didn't go through

2) list commercial which is really weird since you used the right pre-Q for personal apps

Must admit I'm lost on this one .....sorry

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 03:43:48 GMT

Very interesting waiting for other answers was thinking of alpine for this.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 03:47:07 GMT

Yes me too Like I said, I am eventually going to call in... but kind of wanted to get a better understanding of what is going on here/how to approach a recon on this issue. I did have a Platinum and Gold years ago + the AU.... I know my score isn't *pristine* but we all know Amex has some strange scoring system they go off of. To be honest, I wouldn't have added a hard inquiry if i wasn't showing "prequalified".

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

myjourney — Tue, 24 May 2016 03:49:57 GMT

@Anonymous wrote:
Yes me too Like I said, I am eventually going to call in... but kind of wanted to get a better understanding of what is going on here/how to approach a recon on this issue. I did have a Platinum and Gold years ago + the AU.... I know my score isn't *pristine* but we all know Amex has some strange scoring system they go off of. To be honest, I wouldn't have added a hard inquiry if i wasn't showing "prequalified".

Hey were you HP'ed?

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 03:53:07 GMT

https://experian.experiandirect.com shows a pull today from AMEX

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

myjourney — Tue, 24 May 2016 03:59:48 GMT

I give and that don't happen often sorry Lol

Make the call but be aware 99% chance Amex will pull again

Good luck

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

wasCB14 — Tue, 24 May 2016 04:00:40 GMT

The Centurion you're an AU on...is that a business or personal account? If business, and there are baddies on the account, then you maybe you might have a bad commercial credit history without realizing it?

Just a guess.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

One2spooku — Tue, 24 May 2016 04:01:37 GMT

They did the same thing to me. Prequalified "exclusive" offer. The sign up bonus was higher than the base bonus. Seemed pretty legit as far as a pre qual goes. Applied and denied. App status wasn't available online at all. Phone calls lead to "wait for a letter"...

Called to recon but the people I reach are nearly useless.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

UncleB — Tue, 24 May 2016 08:56:49 GMT

You might have some trouble getting through to them...

I tried all day yesterday (from around 8AM to the last attempt around midnight) and after I entered the last four of my SS# and my billing ZIP it told me the system that needed to be accessed was unavailable to both the customer service reps and the automated system and to call back later.

I tried the recon line, the number on my initial "please call us" screen, and the number from the application status web page - three different numbers, but each rings to exactly the same system.

I plan to try again on Tuesday... good luck if you try to call them about your app!

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 09:39:05 GMT

My only guess is that prequalifcations are based on soft pulls and of course when you apply they use a HP. I wonder if they use a different score version than the SP?? Odd, I have always know AMEX to have solid prequals. It is worth a phone call to recon.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

Anonymous — Tue, 24 May 2016 12:52:43 GMT

If you had a Plat before, you won't get a bonus, right? It's one and done, unless one of them is Ameriprise or Mercedes Benz I believe.

GL.

Re: Prequalified For Amex Platinum - Denied - Called in and reason has me puzzled

takeshi74 — Tue, 24 May 2016 13:44:07 GMT

Been said many times before but never rely on prequals. Don't let marketing determine what you apply for. Evaluate your own reports and apply for products that suit oyur needs/wants.

@Anonymous wrote:
Obviously confused- i have checked across numerous browsers. So i called the automated system, the reason for my denial was given to me as "My COMMERCIAL credit score is too low". Does anyone know what this means?

Pretty straightforward. The score based on commerical reports considered is too low. What business card did you have and what shape were they in?

What isn't straightforward is why your commercial score was considered if it was a personal card. You'd have to contact AmEx to clarify. It could be one of those addtional considerations for AmEx.