topic Re: Wait time between applications for Amex in Credit Cards

Wait time between applications for Amex

aftermath — Mon, 27 Jun 2011 18:08:06 GMT

I applied for an Amex Gold about a month ago and received a bogus reason for denial (delinquent account) as my reports are clean. I spoke with a CSR and all they did was read off a script and repeatedly told me to contact Experian if I had questions in regards to the information provided to Amex by them .

So after triple verifying that everything on my EX is clean, I want to give it another shot.

How long do you have to wait inbetween applications if you're denied?

Thanks.

Re: Wait time between applications for Amex

Creditaddict — Mon, 27 Jun 2011 18:15:25 GMT

The number 45 comes to mind... but it's been a long time since I had that information to be sure

Re: Wait time between applications for Amex

crackiein — Mon, 27 Jun 2011 18:25:46 GMT

I recall reading somewhere (maybe Amex FAQs) to wait 90 days between applications. But since your report is clean did you try for a recon?

Re: Wait time between applications for Amex

RockinRay — Mon, 27 Jun 2011 20:26:38 GMT

Yes - try the recon route! For sure.

Nothing to lose at this point.

Ray

Re: Wait time between applications for Amex

Anonymous — Mon, 27 Jun 2011 18:30:08 GMT

One of my Amex denials letters says you are welcome to apply again in the future but please wait 30 days before submitting a new app. I think if you try before then you get an instant notice something to the effect that you have already applied in the last 30 days or something. Probably with no credit pull.

Re: Wait time between applications for Amex

pizzadude — Mon, 27 Jun 2011 19:05:19 GMT

Yep, it is 30 days......this was the response I received earlier this month after being declined.

Applicants who were not approved for a new account at one time may qualify in the future. You are welcome to apply for any of our cards,
but please wait at least 30 days before submitting a new application.

Re: Wait time between applications for Amex

Anonymous — Mon, 27 Jun 2011 20:14:12 GMT

I called the rep when I was once declined and they informed me that they have changed it to 90 days...

Re: Wait time between applications for Amex

aftermath — Mon, 27 Jun 2011 20:18:44 GMT

@pizzadude wrote:

Yep, it is 30 days......this was the response I received earlier this month after being declined.

Applicants who were not approved for a new account at one time may qualify in the future. You are welcome to apply for any of our cards,
but please wait at least 30 days before submitting a new application.

Re: Wait time between applications for Amex

aftermath — Mon, 27 Jun 2011 20:18:58 GMT

@Anonymous wrote:
I called the rep when I was once declined and they informed me that they have changed it to 90 days...

Re: Wait time between applications for Amex

Anonymous — Mon, 27 Jun 2011 20:23:42 GMT

That 90 day thing may no longer be true because I was declined for Costco Amex on 3/25 and approved for Amex Platinum on 6/5 this year. Aftermath, I would just give it a go and see what's what. Good luck!

Re: Wait time between applications for Amex

Anonymous — Mon, 27 Jun 2011 20:34:53 GMT

@Anonymous wrote:
That 90 day thing may no longer be true because I was declined for Costco Amex on 3/25 and approved for Amex Platinum on 6/5 this year. Aftermath, I would just give it a go and see what's what. Good luck!

Costco (credit) and Platinum (charge) are different categories of products. I cant apply for a gold charge but was approved for Delta gold the day after hearing about 90 days.

Re: Wait time between applications for Amex

crackiein — Mon, 27 Jun 2011 20:59:56 GMT

OP, you have a Blue Cash listed in your siggy so I don't understand the grief over approving you for one of their charge products. I believe those are the easiest of all to get.

Are you on good terms with Amex with your Blue Cash? If so, call new accounts or a credit analyst and ask for a recon. The worst thing that can happen is a decline so you've got nothing to lose. Maybe offering to fax your EX CR would prove helpful. However, if your other CRs have a baddie, proceed with caution. It would be a major bummer to get initially approved only to have the new account closed upon account review.

Good luck and post your outcome.