topic Re: AMEX RECON in Credit Cards

AMEX RECON

a3quit4s — Sun, 10 Mar 2013 15:07:10 GMT

What's the best AMEX recon number to call. I was denied for the BCP ther other day and I called up and the guy gave me the reasons I was declined but didn't offer to check it out or anything and it was one of the numbers from the Backdoor Numbers sticky. He sounded like he was just reading it off. I have the PRG and I know the revolvers are harder to get but from the info on my signatures and a 4% util I should have no problem with BCP? They said it was too many inquiries and blah blah blah

EDIT: There are also no baddies on CR

Re: AMEX RECON

Anonymous — Sun, 10 Mar 2013 15:09:25 GMT

I don't think AMEX recons over the phone, if you recon with them you will have to fax everything into them and wait for a decision. From what I remember there is no ability to talk to someone on the phone.

Re: AMEX RECON

LS2982 — Sun, 10 Mar 2013 15:11:03 GMT

@a3quit4s wrote:
What's the best AMEX recon number to call. I was denied for the BCP ther other day and I called up and the guy gave me the reasons I was declined but didn't offer to check it out or anything and it was one of the numbers from the Backdoor Numbers sticky. He sounded like he was just reading it off. I have the PRG and I know the revolvers are harder to get but from the info on my signatures and a 4% util I should have no problem with BCP? They said it was too many inquiries and blah blah blah

EDIT: There are also no baddies on CR

800-297-6197

Re: AMEX RECON

thom02099 — Sun, 10 Mar 2013 15:18:25 GMT

@a3quit4s wrote:
What's the best AMEX recon number to call. I was denied for the BCP ther other day and I called up and the guy gave me the reasons I was declined but didn't offer to check it out or anything and it was one of the numbers from the Backdoor Numbers sticky. He sounded like he was just reading it off. I have the PRG and I know the revolvers are harder to get but from the info on my signatures and a 4% util I should have no problem with BCP? They said it was too many inquiries and blah blah blah

EDIT: There are also no baddies on CR

How many INQ and which report? Presumably EX?

From your signature and this info above, my guess would be you would normally be in a pretty good position. But those INQ might be killing you (read the post about the 82 INQ???) Try the number in the post above, or try the same number you called but at a different time of day. You'll likely get a different analyst, one more receptive to your request. And to get them "off script" just ask them pointed questions -- what was the reason, can you make an exception, can you give me pointers for improvement, I love AMEX...that sort of thing!

Re: AMEX RECON

scenery_guy — Sun, 10 Mar 2013 15:20:49 GMT

Did you get the decline letter? Wait until it's in your hands then write a letter to the address on that letter and offer good counterpoints to each of their points. Be specific about it. List all of your inquiries with dates and the result of the pulls, add a reason for the application or card. Explain why you are a good customer, why you want the card and expected usage. Won't hurt to mention that the new card will replace another bank's card bla bla bla. Sell yourself getting the card. List your current credit score and from what bureau, your current income (needs to match application info) and that you have no debt (or list what you have and be clear about payoffs). If you need pointers Google "reconsideration letters credit card". Some good stuff out there.

I was declined for a card with them last fall and tried calling, no luck. Seems like I hit a stone wall. I wrote a nice but firm letter and a few weeks later got the card in the mail. It's worth the time as a good letter goes farther than a call. Once you mail it don't try calling. Just let it do it's job.

Re: AMEX RECON

a3quit4s — Sun, 10 Mar 2013 15:49:36 GMT

Thanks for all your help. I really love this forum <3

I will try calling and then writing a letter. Writing a letter? I sound like an old person lol

I only have 12 INQ not even close to 82 lol....most are from me getting a new car in January. This is my last card attempt for awhile so I am trying my best to make it work.

EDIT: That is the number I called before. I want to try to get someone in the States. No offense to overseas; I just feel like the people in the US have more ability to think on their own.

Re: AMEX RECON

thom02099 — Sun, 10 Mar 2013 15:56:47 GMT

@LS2982 wrote:
@a3quit4s wrote:
What's the best AMEX recon number to call. I was denied for the BCP ther other day and I called up and the guy gave me the reasons I was declined but didn't offer to check it out or anything and it was one of the numbers from the Backdoor Numbers sticky. He sounded like he was just reading it off. I have the PRG and I know the revolvers are harder to get but from the info on my signatures and a 4% util I should have no problem with BCP? They said it was too many inquiries and blah blah blah

EDIT: There are also no baddies on CR
800-297-6197

The number above is for their Executive Offices...should not be an off-shore location at all. If it is, that's confusing.

Try this:

AmEx: 800-230-1284 (Account Services - handles accounts with issues)

But I'd sure try that EO number again, and if necessary ask to be transferred to the executive offices.

Re: AMEX RECON

a3quit4s — Sun, 10 Mar 2013 15:57:01 GMT

I called that one and they weren't open sorry, I then called 800-567-1083

Re: AMEX RECON

LS2982 — Sun, 10 Mar 2013 15:58:46 GMT

@a3quit4s wrote:
I called that one and they weren't open sorry, I then called 800-567-1083

Wait til tomorrow and call the EO. They should be more helpful.

Re: AMEX RECON

a3quit4s — Sun, 10 Mar 2013 15:59:40 GMT

I will do! and of course I will post progress for all people in the same situation as me

Re: AMEX RECON

E150GT — Sun, 10 Mar 2013 16:23:38 GMT

Since you are a member already they use your last soft pull. I would wait until they pull a recent soft pull. I got denied the BCE due to my January SP since it was my last. My report looks much better now. Youd think theyd do a new one on an app.

Re: AMEX RECON

a3quit4s — Mon, 11 Mar 2013 12:49:52 GMT

Called the Executive Office number this morning. Spoke to a nice gentleman who took my info and said he would speak to a New Account Rep and get back to me Wednesday. I told them I was a card holder for about two years and was sorry to bother the EO but I was tired of talking to scripted people and I wanted to speak to someone about my application and any help would be amazing. He didn't seem mad or anything that I called that number as some other people had said.

Re: AMEX RECON

a3quit4s — Tue, 12 Mar 2013 16:47:21 GMT

Day 2 - Heard nothing - He did say Wednesday but some people reported them getting back to the consumer after about 2 hours

Re: AMEX RECON

Anonymous — Tue, 12 Mar 2013 16:51:46 GMT

@E150GT wrote:
Since you are a member already they use your last soft pull. I would wait until they pull a recent soft pull. I got denied the BCE due to my January SP since it was my last. My report looks much better now. Youd think theyd do a new one on an app.

Op- It seems like you are pretty far along in the recon process, but I would be careful to make sure they do not do another hp. Amex has been known to hp for recons in the past, even for exisiting cardholders.

Re: AMEX RECON

a3quit4s — Tue, 12 Mar 2013 16:57:32 GMT

I'm OK wih them doing another HP if they have to because that Information would only help them approve me. This is my last app for a long time anyways lol

I have seen people with way worse scores than me approved for the BCP; I just don't think they like my credit limits and amount of inquiries.

Re: AMEX RECON

a3quit4s — Tue, 12 Mar 2013 19:38:50 GMT

Amex EO called back from a blocked number...he left a voicemail; called him back right. Left a voicemail. He called back said nothing could be done because of my 12 inquiries. So denied by EO even though I don't have one derogatory remark on my credit profile.

Thanks for nothing Amex

Re: AMEX RECON

Anonymous — Tue, 12 Mar 2013 20:46:47 GMT

I find that creditors are far more sensitive to inquiries and new accounts than people would realize. They just don't like the idea of someone shopping for credit. They see it as potential risk. A person with a good score and an otherwise clean credit profile but with many hard inquiries showing could actually have a harder time getting approved than someone with a less strong profile who has very few or no inquires at all on their report. I too have an amex charge card and I've been denied a revolver for too many inquiries and newly opened accounts. Like you I have exactly 12 inquiries on Experian - half of which will expire next month. That is why when you apply for credit, you really have to ask yourself if you want to live with the inquiry for the next two years.

Re: AMEX RECON

a3quit4s — Tue, 12 Mar 2013 22:43:12 GMT

Im just gonna keep bothering people until they give up. When I get the letter in the mail I'm going to write in and I'm debating posting the guys name and number/extension on here that "helped" me

Re: AMEX RECON

scenery_guy — Wed, 13 Mar 2013 02:35:45 GMT

@a3quit4s wrote:
Im just gonna keep bothering people until they give up. When I get the letter in the mail I'm going to write in and I'm debating posting the guys name and number/extension on here that "helped" me

Do write them for recon. Be firm but polite and argue each point on the decline letter. Don't post the number and extension here. It's not helping anything.

Re: AMEX RECON

youngandcreditwrthy — Wed, 13 Mar 2013 03:20:09 GMT

Even though FICO claims not to be punitive if you have several auto loan inqs, I think that's wrong lol...
Seems like it doesn't matter what the inquiry is for...creditors will deny you if you have too many. One reason I plan to secure auto financing prior to visiting the dealership should I ever need to finance a vehicle. Lol