topic Re: Amex finally got my 4506!!!!!! in Credit Cards

Amex finally got my 4506!!!!!!

smc733 — Fri, 10 Jun 2011 20:52:34 GMT

...please allow 7 more business days for the media department to process the document and give you a decision.

W/e, either way this goes is fine, just glad I'm finally going to get some closure after this long event.

Figured I'd update the MyFICO family which has been helping me every step of the way...

Re: Amex finally got my 4506!!!!!!

android01 — Fri, 10 Jun 2011 21:51:20 GMT

@smc733 wrote:
...please allow 7 more business days for the media department to process the document and give you a decision.

W/e, either way this goes is fine, just glad I'm finally going to get some closure after this long event.

Figured I'd update the MyFICO family which has been helping me every step of the way...

They should just approve you by default just because it took so long!

Re: Amex finally got my 4506!!!!!!

haulingthescoreup — Fri, 10 Jun 2011 22:06:57 GMT

They could add "persistence points" to their internal scoring formula!

Hope this does the trick.

Re: Amex finally got my 4506!!!!!!

Anonymous — Fri, 10 Jun 2011 22:07:54 GMT

Good luck! Keeping my fingers crossed for you!

Re: Amex finally got my 4506!!!!!!

Anonymous — Sat, 11 Jun 2011 16:26:42 GMT

I apped for the AmEx Blue Cash 3/28/11, instant approval, my scores were TU 727, EQ 700 and EX???? I had a fraud CO on my reports at that time but was still instant approved.

Apped for the AmEx Clear on 5/2/11 (was pending) then decline, reasons

1. The CO that was on my report.

2. My EX score was too low.

In the decline letter I received it said if I felt any info they used from my EX report was not correct to send them a copy. One week after the Clear app, HSBC finally finished their 4th investigation of my disputes and had all 3 CRA's remove the CO, my scores sky rocketed....TU from 727 to 784 and EQ from 700 to 774 and EX I have no idea, but I know it went way up too. (Perfectly clean reports, 1% util on all 3 reports with over 30K total revolving credit)

So on the 12th of May I faxed copies of all 3 CRA's reports to AmEx's Media dept, and I'm still waiting on a decision....I checked the appstatus site and it now says "Processing" again as of yesterday.

I will be blown away if they come back with a decline, I also I should be approved by default for all this time I've had to wait for a review.

I understand they are very busy, but over a month for a review?????

Best of Luck to the OP as well!!

Re: Amex finally got my 4506!!!!!!

smc733 — Sat, 11 Jun 2011 16:29:38 GMT

I spoke with someone from the F/R department that said at the latest I should have a decision Monday at noon!

Re: Amex finally got my 4506!!!!!!

Anonymous — Sat, 11 Jun 2011 16:37:44 GMT

@smc733 wrote:
I spoke with someone from the F/R department that said at the latest I should have a decision Monday at noon!

I was told the same exact thing when I called in Thursday last week.

Re: Amex finally got my 4506!!!!!!

Anonymous — Sat, 11 Jun 2011 18:55:30 GMT

Good luck! They better give you that card. You deserve it, really.

Re: Amex finally got my 4506!!!!!!

Anonymous — Sat, 11 Jun 2011 19:28:41 GMT

Good luck mate

Re: Amex finally got my 4506!!!!!!

Chaos122 — Sun, 12 Jun 2011 01:21:14 GMT

Good luck buddy, hope you get it.. With the list of cards you have, why do you want an amex anyways? Amex is great, but you seem to have other excellent options, Just wondaring. Also did you ever think about getting a psecu card, if your looking for a higher limit card..

Good luck again

Re: Amex finally got my 4506!!!!!!

smc733 — Sun, 12 Jun 2011 02:39:15 GMT

@Chaos122 wrote:
Good luck buddy, hope you get it.. With the list of cards you have, why do you want an amex anyways? Amex is great, but you seem to have other excellent options, Just wondaring. Also did you ever think about getting a psecu card, if your looking for a higher limit card..

Good luck again

Thanks everyone!

@Chaos122, I guess it is for a couple of reasons. Customer service seems big to me, they have great phone service, a great iPhone app, and they show pending charges, all three of which have a sizable impact on my daily life.

I also figure for the time being, my low interest, BofA (Also my bank), Visa rewards credit card is a great pair along with a charge card since I PIF anyway. The extended warranties are big for me, as I buy electronics frequently, and finally, the prestige of using it to pay at restaurants (one of the 3 or 4 places I'll primarily use it (Charges 20-100)) is kind of nice, I guess.

I was thinking of a PSECU card, but I think my income will pretty much max out at where I am with Citi in regard to limits, and I've yet to put more than $5 there, haha. Good thing is I don't have to worry about getting booted because of the parks, I joined because my Mom is a teacher in the state, which makes me eligible.

Re: Amex finally got my 4506!!!!!!

Anonymous — Sun, 12 Jun 2011 02:47:19 GMT

Not sure what type of income you are on, but I just apped the PSECU 10/10 yesterday and was approved.

My Income is right around 30,000. (and I only made 10k last year which they knew because they requested proof of income, which I had already volunterily provided with my app to join so they had Paystubs and 2010 W-2)

Util 9%

I had 5 inquiries at the time 1 from joining psecu 2 weeks ago. 1 from apping amex about a month ago (got approved for Blue Cash Preferred at 2k and Gold Preferred, but neither are reporting yet) the other 3 inquiries are over 6 months old. (my first amex app, my citi app and an appartment application)

Cards on report:

Citi Forward: 3300

Discover More: 1000

USAA Platinum: 1000

I joined 2 weeks ago. Haven't made any deposits or anything.

They are a very kind lender ^_^. I'd say you have a very good shot.

Re: Amex finally got my 4506!!!!!!

smc733 — Sun, 12 Jun 2011 03:06:10 GMT

Hmm,

Perhaps I could consider a PSECU card down the road... my income as a college student this coming year will be around $14-$16k (working 40 hr/week all year round).

Re: Amex finally got my 4506!!!!!!

Anonymous — Mon, 13 Jun 2011 21:30:32 GMT

@smc733 wrote:
I spoke with someone from the F/R department that said at the latest I should have a decision Monday at noon!

I'm hoping to hear some good news from you, I was told the same thing (today by noon)

I called at 4:30pm and was put on hold for at least 10 minutes for her to come back and tell me, shes very sorry, they are still working on it, and WILL have it decisioned within 24 to 48 hours.

I do want this Clear Card bad, but I'm getting a little tired of hearing, it will take 7-10 days and then almost 35 days later I'm still sitting here waiting for an answer.

I do hope you have good news tho!!!

Re: Amex finally got my 4506!!!!!!

smc733 — Mon, 13 Jun 2011 23:02:20 GMT

...nope.

"Cancelled" because they've "recently received more than one application"... **bleep**! I haven't submitted anything in the last 60 days!!!! Going to call the exec office number again tomorrow. BIG SIGH.

Re: Amex finally got my 4506!!!!!!

mmduluth — Tue, 14 Jun 2011 02:00:22 GMT

@smc733 wrote:
...nope.

"Cancelled" because they've "recently received more than one application"... **bleep**! I haven't submitted anything in the last 60 days!!!! Going to call the exec office number again tomorrow. BIG SIGH.

Wait. They cancelled the app for the Zync card that you applied for a while ago? And they cancelled it AFTER they had you send in all this paperwork?

Re: Amex finally got my 4506!!!!!!

mew — Tue, 14 Jun 2011 02:06:17 GMT

Did you recon for anything (blue, clear, etc)?

Re: Amex finally got my 4506!!!!!!

smc733 — Tue, 14 Jun 2011 13:40:27 GMT

@mmduluth wrote:
@smc733 wrote:
...nope.

"Cancelled" because they've "recently received more than one application"... **bleep**! I haven't submitted anything in the last 60 days!!!! Going to call the exec office number again tomorrow. BIG SIGH.
Wait. They cancelled the app for the Zync card that you applied for a while ago? And they cancelled it AFTER they had you send in all this paperwork?

Yep. Cancelled because of "another request".

And no, I haven't reconned for anything in the past 60 days, either.

Will be calling the exec number on my break at 11.

Re: Amex finally got my 4506!!!!!!

Anonymous — Tue, 14 Jun 2011 14:29:58 GMT

When I called for my gold card app they said they changed it to 90 days.

Re: Amex finally got my 4506!!!!!!

smc733 — Tue, 14 Jun 2011 16:01:43 GMT

Ugh, I have a call into my contact at the exec office... We'll see. I would give up at this point, had I not spent the $57. I will fight this as long as I can.