topic Re: AMEX bi annual rejection in Credit Cards

AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 16:00:32 GMT

Every 6 months I apply for an AMEX card, just because I love the rejection LOL.

Always get turned down because of bad mark from a check reporting agency, its been 7 years (Thanks Ex DW) LOL

Well I thought I would try a new tactic.

I was sent an invite for the Delta Amex, so I applied for that one thinking that I already was a sky miles member maybe that would influence a decision. I also signed up for thier "protect my account coverage" in an additional attempt to further influence the app.

Well its that time of the year and I thawed out my reports and applied.

What I got online was something new. It didnt say anything but "Thank You your application was recieved"

What does that mean? LOL usually you get a we will let you know, or something.

Anyone with AMEX expierience know what happens now?

Re: AMEX bi annual rejection

MagicShot — Wed, 03 Aug 2011 16:07:38 GMT

My application to AMEX said the same thing, and I was approved and got the card in like 2 weeks or something to that effect. It just took them about 5 days to process it because I applied on weekend and couldnt provide an instant decision. on the 5th or 6th day after I applied it finally showed approved.

They might supprise you.

To check application status goto:

http://www.americanexpress.com/myappstatus/

Re: AMEX bi annual rejection

MagicShot — Wed, 03 Aug 2011 16:08:37 GMT

@minimock wrote:
Every 6 months I apply for an AMEX card, just because I love the rejection LOL.

Always get turned down because of bad mark from a check reporting agency, its been 7 years (Thanks Ex DW) LOL

Well I thought I would try a new tactic.

I was sent an invite for the Delta Amex, so I applied for that one thinking that I already was a sky miles member maybe that would influence a decision. I also signed up for thier "protect my account coverage" in an additional attempt to further influence the app.

Well its that time of the year and I thawed out my reports and applied.

What I got online was something new. It didnt say anything but "Thank You your application was recieved"

What does that mean? LOL usually you get a we will let you know, or something.

Anyone with AMEX expierience know what happens now?

CITI bank is the one that always rejects me for some odd reason. Usually because I have too many INQ's lol

Re: AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 16:11:53 GMT

@MagicShot wrote:
My application to AMEX said the same thing, and I was approved and got the card in like 2 weeks or something to that effect. It just took them about 5 days to process it because I applied on weekend and couldnt provide an instant decision. on the 5th or 6th day after I applied it finally showed approved.
They might supprise you.

To check application status goto:

http://www.americanexpress.com/myappstatus/

Well that was fast rejected again LOL

Has anyone ever recon AMEX before?

I dont see a number on the back door thread having anything to do with recon.

Re: AMEX bi annual rejection

Anonymous — Wed, 03 Aug 2011 16:18:21 GMT

I used to think that Amex was the best thing since slice bread but after reading all the FR horror stories I have no desire to get an AMEX

Re: AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 16:32:24 GMT

Im starting to think I may give up lol.

I found a recon number on the website, got a lady I couldnt understand, but I think she said to fax a copy of the CR that they just used to decline me and they would reconsider.

What kind of business is that?

I dunno, maybe Ill fax it in.

Re: AMEX bi annual rejection

n777ua — Wed, 03 Aug 2011 16:34:20 GMT

@minimock wrote:
@MagicShot wrote:
My application to AMEX said the same thing, and I was approved and got the card in like 2 weeks or something to that effect. It just took them about 5 days to process it because I applied on weekend and couldnt provide an instant decision. on the 5th or 6th day after I applied it finally showed approved.
They might supprise you.

To check application status goto:

http://www.americanexpress.com/myappstatus/

Well that was fast rejected again LOL

Has anyone ever recon AMEX before?

I dont see a number on the back door thread having anything to do with recon.

I did a successful recon with Amex, the thread is around here somewhere. Just call the new accounts number and give them your application ID, tell them you'd like to be formally reconsidered, and they'll give you a mailing address and/or fax. (I faxed). Send a lettere describing your reasons for recon, indicating where their rejection of you is incorrect. You also MUST include a recent copy of your credit report that you pulled yourself, the agency you chose doesn't matter. I chose TU. Then wait patiently for 20 days. Oh, and if you get some foreign speaking person, immediately hang up and call back.

Re: AMEX bi annual rejection

ArisGreek — Wed, 03 Aug 2011 16:40:50 GMT

LOL @ OP...I feel your pain. My issue was always CLIs. I could *never* get a CLI on my card until this time around. AMEX is a strange company with odd criterias!

Re: AMEX bi annual rejection

Anonymous — Wed, 03 Aug 2011 18:45:33 GMT

Charge or credit?

Re: AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 18:59:15 GMT

@Anonymous wrote:
Charge or credit?

Have tried both.

Well I went ahead and pulled the report and faxed the recon request. Guess I have a sadistic rejection need LOL

Re: AMEX bi annual rejection

MagicShot — Wed, 03 Aug 2011 19:04:24 GMT

@minimock wrote:
@Anonymous wrote:
Charge or credit?
Have tried both.

Well I went ahead and pulled the report and faxed the recon request. Guess I have a sadistic rejection need LOL

LOL wow.

Re: AMEX bi annual rejection

n777ua — Wed, 03 Aug 2011 19:48:35 GMT

What -exactly- were your rejection reasons ? When you recon, you need to be and sure to point out which reason(s) is/are incorrect. Don't write a letter like "I feel like I should get this card because...." Amex doesn't care what you feel. (Not trying to be a jerk, just want to be sure you get the fairest shake possible)

Re: AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 19:55:53 GMT

@n777ua wrote:
What -exactly- were your rejection reasons ? When you recon, you need to be and sure to point out which reason(s) is/are incorrect. Don't write a letter like "I feel like I should get this card because...." Amex doesn't care what you feel. (Not trying to be a jerk, just want to be sure you get the fairest shake possible)

I did, adressed each of them. The big one was not enough available credit, so I pointed out that most of my CL's are signature cards and not reporting. I gave them actual credit lines.

The other one was too many inqs. I asked them to look at the fact that 5 of them were from them.

and yada yada.

I doubt it will fly, but its part of the game

Re: AMEX bi annual rejection

Anonymous — Wed, 03 Aug 2011 19:59:57 GMT

Good luck, OP. May your semi-annual applications really turn to at most bi-annual rejections

Re: AMEX bi annual rejection

minimock — Wed, 03 Aug 2011 20:17:07 GMT

@Anonymous wrote:
Good luck, OP. May your semi-annual applications really turn to at most bi-annual rejections

I dunno what it is, I guess its human nature, you want what you cant have.

If for some reason it gets approved, Im in garden mode for good. Cant see ever needing more.

Re: AMEX bi annual rejection

MagicShot — Wed, 03 Aug 2011 20:27:09 GMT

@minimock wrote:
@Anonymous wrote:
Good luck, OP. May your semi-annual applications really turn to at most bi-annual rejections
I dunno what it is, I guess its human nature, you want what you cant have.

If for some reason it gets approved, Im in garden mode for good. Cant see ever needing more.

There is always something more

Re: AMEX bi annual rejection

minimock — Thu, 04 Aug 2011 08:03:38 GMT

UPDATE:

Well my recon request bought me something LOL, 2 more hard hits, one on Equifax and one on Transunion.

I sure hope they give me the card after spanking me two more times

Re: AMEX bi annual rejection

MagicShot — Thu, 04 Aug 2011 12:33:54 GMT

@minimock wrote:
UPDATE:

Well my recon request bought me something LOL, 2 more hard hits, one on Equifax and one on Transunion.

I sure hope they give me the card after spanking me two more times

Well hopefully, Because AMEX and discover both pull all 3 big ones when I apped, but that was during their manual review process so yeah.

Good Luck!

Re: AMEX bi annual rejection

minimock — Thu, 04 Aug 2011 12:40:48 GMT

@MagicShot wrote:
@minimock wrote:
UPDATE:

Well my recon request bought me something LOL, 2 more hard hits, one on Equifax and one on Transunion.

I sure hope they give me the card after spanking me two more times
Well hopefully, Because AMEX and discover both pull all 3 big ones when I apped, but that was during their manual review process so yeah.

Good Luck!

They pulled Experian initially, and the other two after the recon request. They spent the money to pull them, so maybe they will throw the blind dog a bone

Re: AMEX bi annual rejection

MagicShot — Thu, 04 Aug 2011 13:10:27 GMT

@minimock wrote:
@MagicShot wrote:
@minimock wrote:
UPDATE:

Well my recon request bought me something LOL, 2 more hard hits, one on Equifax and one on Transunion.

I sure hope they give me the card after spanking me two more times
Well hopefully, Because AMEX and discover both pull all 3 big ones when I apped, but that was during their manual review process so yeah.

Good Luck!
They pulled Experian initially, and the other two after the recon request. They spent the money to pull them, so maybe they will throw the blind dog a bone

Would be nice since they pull the other 2 CB. I dont see why they wouldn't but AMEX is wierd lol I applyed for they quite a few times before i got approved same with discover. the odd thing with discover they approved when i had more INQ's they the last time they denined me why I had less INQ's. LOL their funny beasts!