topic Re: AMEX Blue Approved after recon! in Credit Cards

AMEX Blue Approved after recon!

andre181 — Mon, 04 Apr 2011 18:02:25 GMT

What a great way to start the week!

On Saturday night, after much debate, I applied for AMEX Blue and was instantly denied for too many inquiries.

I called executive services for a recon this morning. 2 hours later the nice lady that I spoke with called me back and told me that I was approved with a CL or $2000!

My dream credit profile is complete! Now I think its time to ditch Capital One and Chase.

Re: AMEX Blue Approved after recon!

Anonymous — Mon, 04 Apr 2011 19:06:54 GMT

how many inq do you have on experian?

Re: AMEX Blue Approved after recon!

Anonymous — Mon, 04 Apr 2011 19:33:19 GMT

what phone number did you use to recon the application?

Re: AMEX Blue Approved after recon!

andre181 — Mon, 04 Apr 2011 20:21:03 GMT

I had 7 inq's on EX

And the number that I called is their executive services department: 1-800-297-6197

Re: AMEX Blue Approved after recon!

dms42 — Fri, 15 Apr 2011 20:44:37 GMT

Did you speak to Maxine? I just called for recon and she was SO nice. I applied online a few days ago and got the denial email this morning. The reason said becuz there is "Bankruptcy" on my Experian report. I immediately pulled all 3 of my reports...no BK and my score is 755. So of course I'm surprised by the declination. Maxine did a 3-way call with New Accts and the guy there said that he'd have my application internally reviewed. I offered to fax over my credit repoort, but he said they didn't need it...told me to check back in 2 business days. We'll see what happens.

Re: AMEX Blue Approved after recon!

dms42 — Sun, 17 Apr 2011 18:15:43 GMT

Application still says "In Process" but they have hard pulled 2 of my 3 reports. I'm thinking it's not gonna be approved because the VERY day that I asked for a recon, my NFCU reported the new balance and it's a lot...so there goes my 5% utilization. Had I reconned 1 day sooner...UGH! The day the NFCU balance reported my scores took a major dive (-45 pts) and now AMEX is gonna see the lower scores too. I know that the scores will recover quickly, but the coincidence (timing of it all) couldnt have been worse! We'll see...

Re: AMEX Blue Approved after recon!

Anonymous — Sun, 17 Apr 2011 18:53:52 GMT

Congratulations to you andre181

I have the AmEx Blue Cash and it's an awesome card, and the customer service at AmEx is second to none.

@dms42 wrote:
Application still says "In Process" but they have hard pulled 2 of my 3 reports. I'm thinking it's not gonna be approved because the VERY day that I asked for a recon, my NFCU reported the new balance and it's a lot...so there goes my 5% utilization. Had I reconned 1 day sooner...UGH! The day the NFCU balance reported my scores took a major dive (-45 pts) and now AMEX is gonna see the lower scores too. I know that the scores will recover quickly, but the coincidence (timing of it all) couldnt have been worse! We'll see...

I hope it works out for you dms42, let us know the outcome.

Best of Luck

Re: AMEX Blue Approved after recon!

dms42 — Wed, 20 Apr 2011 22:10:31 GMT

So...I checked the status online and it's DECLINED...no surprise there, I guess. My new NFCU credit card totally sunk my AMEX ship (pun intended.) I'm not complaining considering that I'm still in great shape credit cardwise. My score has taken a big hit from the hard inquiries and 2 new accounts. Right now my open to buy credit card CLs equal $42K...$17.5K limit on one card. I've got a mortgage and a modest car payment- so a good mix of credit. There is such thing as having too much credit and too much open to buy. I know my scores will recover in a month or three once accounts stabilize (I did some balance transferring). At some point I do want the True Earnings card still simply because I frequent Costco and the rewards would be nice. I'm not interested in any other Amex card.

Re: AMEX Blue Approved after recon!

Anonymous — Wed, 20 Apr 2011 23:08:41 GMT

OP: You get a $2K credit line with Amex and plan to close Chase with a $3.3k credit line? Why, if I may ask?

Re: AMEX Blue Approved after recon!

DI — Wed, 20 Apr 2011 23:20:33 GMT

Congrats! I had to recon those suckers too even though I have pristine credit.

Re: AMEX Blue Approved after recon!

andre181 — Thu, 21 Apr 2011 02:18:25 GMT

@Anonymous wrote:
OP: You get a $2K credit line with Amex and plan to close Chase with a $3.3k credit line? Why, if I may ask?

Because I do not use use it and I refuse to use it, even for a pack of gum every couple of months. Chase has the rudest CS I've ever dealt with, and they also lie.

Now that I have a good amount of available credit, I feel that I can cancel it. And I would rather cancel it than have them cancel it for being inactive.

Re: AMEX Blue Approved after recon!

slarano — Tue, 14 Jun 2011 15:18:35 GMT

How long did your recon call take? And what if any questions did they ask? I app'd last night on a whim (plus I have amazing luck with app'ing late at night), but received a denial e-mail this morning after AMEX was unable to make an instant decision last night.

Re: AMEX Blue Approved after recon!

trumpet-205 — Tue, 14 Jun 2011 15:37:52 GMT

Do you still need AMEX Zync? Now that you got Blue which also uses Membership Reward Express it is pretty much no AF version of Zync. Unless you have added some packs on Zync?

Re: AMEX Blue Approved after recon!

tntexans72 — Tue, 14 Jun 2011 16:18:20 GMT

@Anonymous wrote:
OP: You get a $2K credit line with Amex and plan to close Chase with a $3.3k credit line? Why, if I may ask?

Ppl are having a difficult time getting a Chase Freedom card...I want to know why too, haha.