topic Re: Time and time again... in Credit Cards

Time and time again...

adavis425 — Sat, 31 Mar 2012 04:19:28 GMT

Hey all. Need some advice please. I have been an AMEX customer for 11 years now. Started with green, now have gold. I have no lates, no missed payments, no negatives at all with them or anyone else. Thirty-eight days ago I apped for BCP and CSP on the same day. They both said no. I was declined for a baddie that I thought had fallen off, but hadn't. Now it has so I apped for both again. CSP approved, but AMEX is still no . Why will they allow me to pay over time on my gold card up to $35,000, but not give me a revolver??? This is frustrating. I don't really feel like calling again for a recon only to be turned down. How should I proceed? I guess I really need to call and find out exactly what it is that's bothering them. Who has gone through this with a CCC and how did you handle it? Thanks guys!

Re: Time and time again...

Creditaddict — Sat, 31 Mar 2012 04:44:37 GMT

Are you currently revolving any balance on your Gold?

The only reason they give for the decline is the collection?

Re: Time and time again...

bichonmom — Sat, 31 Mar 2012 04:51:39 GMT

@adavis425 wrote:
Hey all. Need some advice please. I have been an AMEX customer for 11 years now. Started with green, now have gold. I have no lates, no missed payments, no negatives at all with them or anyone else. Thirty-eight days ago I apped for BCP and CSP on the same day. They both said no. I was declined for a baddie that I thought had fallen off, but hadn't. Now it has so I apped for both again. CSP approved, but AMEX is still no . Why will they allow me to pay over time on my gold card up to $35,000, but not give me a revolver??? This is frustrating. I don't really feel like calling again for a recon only to be turned down. How should I proceed? I guess I really need to call and find out exactly what it is that's bothering them. Who has gone through this with a CCC and how did you handle it? Thanks guys!

Your sig shows your EX FICO as 719. They usually want a higher FICO for revolvers. What's your util? If you pay your util down to <9% on only one CC and zero on all others, you should see an increase in your FICO (assuming your current util is higher now).

Also, have you confirmed on your EX CR that the baddie is off?

The letter they send you should let you know their reasons for denial. Once you address whatever it is, you can re-app. I do know they are inq sensitive and don't like a lot of util.

Re: Time and time again...

adavis425 — Sat, 31 Mar 2012 05:01:28 GMT

@Creditaddict wrote:
Are you currently revolving any balance on your Gold?
The only reason they give for the decline is the collection?

No, I'm not. I refuse to use that option. The first denial was the collection which is now gone. I'm not sure of reason(s) for the second one. The only thing I see on the CRs is 4 or 5 inqs, but they were for an auto loan. They are lumped together, right?

Re: Time and time again...

adavis425 — Sat, 31 Mar 2012 05:03:32 GMT

@bichonmom wrote:
@adavis425 wrote:
Hey all. Need some advice please. I have been an AMEX customer for 11 years now. Started with green, now have gold. I have no lates, no missed payments, no negatives at all with them or anyone else. Thirty-eight days ago I apped for BCP and CSP on the same day. They both said no. I was declined for a baddie that I thought had fallen off, but hadn't. Now it has so I apped for both again. CSP approved, but AMEX is still no . Why will they allow me to pay over time on my gold card up to $35,000, but not give me a revolver??? This is frustrating. I don't really feel like calling again for a recon only to be turned down. How should I proceed? I guess I really need to call and find out exactly what it is that's bothering them. Who has gone through this with a CCC and how did you handle it? Thanks guys!

Your sig shows your EX FICO as 719. They usually want a higher FICO for revolvers. What's your util? If you pay your util down to <9% on only one CC and zero on all others, you should see an increase in your FICO (assuming your current util is higher now).

Also, have you confirmed on your EX CR that the baddie is off?

The letter they send you should let you know their reasons for denial. Once you address whatever it is, you can re-app. I do know they are inq sensitive and don't like a lot of util.

Util is at 6% on one card. Yes, confirmed CR.

Re: Time and time again...

bichonmom — Sat, 31 Mar 2012 05:07:33 GMT

I think all you can do is wait to get the letter and see what it says. From what I've read here, they do like to see higher FICOs for their revolvers. If the issue on the letter is inq and they're for an auto loan, then at that point, I'd call and recon. They will only recon if the reasons in the letter have been addressed. You can't recon with them like some other CCs. But if the reason is your inq and you have a legit explanation, plus a long positive history with them, you should be able to recon. On the positive side, at least you're not getting dinged with inq for the apps.

Re: Time and time again...

CreditScholar — Sat, 31 Mar 2012 05:11:29 GMT

I can't speak for Amex, but Chase frequently pulls EQ. If your EQ is 664 like it says on your sig, it might be too low for the CSP. It looks like you got it the second time around though. Do you know who Chase pulled, and if they pulled another bureau the 2nd time? That might explain the difference in your 1st and 2nd attempts. Amex virtually always pulls EX, so it has to be something with your EX report that Amex doesn't like.

Re: Time and time again...

pizzadude — Sat, 31 Mar 2012 05:24:42 GMT

We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )

Re: Time and time again...

steve23111 — Sat, 31 Mar 2012 06:57:43 GMT

@bichonmom wrote:
@adavis425 wrote:
Hey all. Need some advice please. I have been an AMEX customer for 11 years now. Started with green, now have gold. I have no lates, no missed payments, no negatives at all with them or anyone else. Thirty-eight days ago I apped for BCP and CSP on the same day. They both said no. I was declined for a baddie that I thought had fallen off, but hadn't. Now it has so I apped for both again. CSP approved, but AMEX is still no . Why will they allow me to pay over time on my gold card up to $35,000, but not give me a revolver??? This is frustrating. I don't really feel like calling again for a recon only to be turned down. How should I proceed? I guess I really need to call and find out exactly what it is that's bothering them. Who has gone through this with a CCC and how did you handle it? Thanks guys!

Your sig shows your EX FICO as 719. They usually want a higher FICO for revolvers. What's your util? If you pay your util down to <9% on only one CC and zero on all others, you should see an increase in your FICO (assuming your current util is higher now).

Also, have you confirmed on your EX CR that the baddie is off?

The letter they send you should let you know their reasons for denial. Once you address whatever it is, you can re-app. I do know they are inq sensitive and don't like a lot of util.

When I applied for Clear in February of 2011, my FICO (per this web site) was around 690. Approved with $2500 CL. However, I was a former AMEX customer going back to 2000... but had burned them in a BK in 2002. So... there's really no telling what they're looking for.

Re: Time and time again...

boomhower — Sat, 31 Mar 2012 09:19:00 GMT

You can get the letter online, you don't have to wait for it in the mail.

Re: Time and time again...

LS2982 — Sat, 31 Mar 2012 10:09:28 GMT

@boomhower wrote:
You can get the letter online, you don't have to wait for it in the mail.

Re: Time and time again...

adavis425 — Sun, 01 Apr 2012 00:11:33 GMT

@pizzadude wrote:
We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )

Tried that. It says no app was found, but it does tell me I was denied.

Re: Time and time again...

pizzadude — Sun, 01 Apr 2012 00:14:14 GMT

Weird......Is where you checked ? https://www262.americanexpress.com/eaol/welcome.do

Re: Time and time again...

LS2982 — Sun, 01 Apr 2012 00:15:41 GMT

@bichonmom wrote:
I think all you can do is wait to get the letter and see what it says. From what I've read here, they do like to see higher FICOs for their revolvers. If the issue on the letter is inq and they're for an auto loan, then at that point, I'd call and recon. They will only recon if the reasons in the letter have been addressed. You can't recon with them like some other CCs. But if the reason is your inq and you have a legit explanation, plus a long positive history with them, you should be able to recon. On the positive side, at least you're not getting dinged with inq for the apps.

Re: Time and time again...

LS2982 — Sun, 01 Apr 2012 00:16:28 GMT

@CreditScholar wrote:
I can't speak for Amex, but Chase frequently pulls EQ. If your EQ is 664 like it says on your sig, it might be too low for the CSP. It looks like you got it the second time around though. Do you know who Chase pulled, and if they pulled another bureau the 2nd time? That might explain the difference in your 1st and 2nd attempts. Amex virtually always pulls EX, so it has to be something with your EX report that Amex doesn't like.

Its also possible AMEX pulled more than EX, seen the low EQ score.............

Re: Time and time again...

adavis425 — Sun, 01 Apr 2012 00:17:01 GMT

@pizzadude wrote:

Weird......Is where you checked ? https://www262.americanexpress.com/eaol/welcome.do

No. Checked here: https://www262.americanexpress.com/eaol/statusCheckAction.do, but I'll try yours. Thanks!

Re: Time and time again...

LS2982 — Sun, 01 Apr 2012 00:17:42 GMT

@adavis425 wrote:
@pizzadude wrote:
We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )
Tried that. It says no app was found, but it does tell me I was denied.

Are you using Firefox as a web browser?? If so, use IE. Its a known problem for amex decline letters not showing up on Firefox.

Re: Time and time again...

adavis425 — Sun, 01 Apr 2012 00:19:42 GMT

@LS2982 wrote:
@adavis425 wrote:
@pizzadude wrote:
We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )
Tried that. It says no app was found, but it does tell me I was denied.
Are you using Firefox as a web browser?? If so, use IE. Its a known problem for amex decline letters not showing up on Firefox.

I tried both with the same results. AMEX taunts me!

Re: Time and time again...

LS2982 — Sun, 01 Apr 2012 00:21:30 GMT

@adavis425 wrote:
@LS2982 wrote:
@adavis425 wrote:
@pizzadude wrote:
We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )
Tried that. It says no app was found, but it does tell me I was denied.
Are you using Firefox as a web browser?? If so, use IE. Its a known problem for amex decline letters not showing up on Firefox.

I tried both with the same results. AMEX taunts me!

Can you post a screenshot of the error msg. your getting?

Re: Time and time again...

adavis425 — Sun, 01 Apr 2012 00:25:16 GMT

@LS2982 wrote:
@adavis425 wrote:
@LS2982 wrote:
@adavis425 wrote:
@pizzadude wrote:
We're all really just speculating at this point. You need to look at your EX report now ( you can go ahead and pull a free copy since AMEX denied you ) and look at the denial letter ( you can go to the on~line application status website and read it without having to wait for snail mail )
Tried that. It says no app was found, but it does tell me I was denied.
Are you using Firefox as a web browser?? If so, use IE. Its a known problem for amex decline letters not showing up on Firefox.

I tried both with the same results. AMEX taunts me!
Can you post a screenshot of the error msg. your getting?

Not any more.. Now I get

Sorry, you have exceeded the allowable number of attempts Please try again in 24 hours.

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