topic Re: AMEX PRG Recon in Credit Cards

AMEX PRG Recon

gettingthere2013 — Fri, 21 Jun 2013 19:16:29 GMT

I submitted an application for an Amex PRG card and it was declined, I did a recon on the 17th and it has been under review since then. How long does this process normally take? Any insight on the fact that it wasn’t automatically denied again?

Re: AMEX PRG Recon

armbenderc — Fri, 21 Jun 2013 21:19:23 GMT

@gettingthere2013 wrote:
I submitted an application for an Amex PRG card and it was declined, I did a recon on the 17th and it has been under review since then. How long does this process normally take? Any insight on the fact that it wasn’t automatically denied again?

Call them, the EO number are on the pinup.

Re: AMEX PRG Recon

Anonymous — Fri, 21 Jun 2013 21:26:25 GMT

Call app status. The website will not update for recons. It will be updated only after you call in and are notified of the decision.

Re: AMEX PRG Recon

red259 — Fri, 21 Jun 2013 21:28:24 GMT

Why were denied too many inqs/new accountants/ low score?

Re: AMEX PRG Recon

gettingthere2013 — Fri, 21 Jun 2013 22:08:16 GMT

@Anonymous wrote:
Call app status. The website will not update for recons. It will be updated only after you call in and are notified of the decision.

Ok I wasn't sure how that worked, but on the app status page it said they had the most up to date information.

Re: AMEX PRG Recon

gettingthere2013 — Fri, 21 Jun 2013 22:08:54 GMT

@red259 wrote:
Why were denied too many inqs/new accountants/ low score?

I haven't received my letter yet, but I think the lady said low score.

Re: AMEX PRG Recon

Anonymous — Fri, 21 Jun 2013 22:10:37 GMT

It's just a stupid bug or the way the website is implemented. I don't think it was designed with recon in mind, or the analysts in charge of recon simply just don't update it.

Call them and speak to them about the decision. Once you do, you will notice that the website is updated.

Re: AMEX PRG Recon

gettingthere2013 — Sat, 22 Jun 2013 00:29:26 GMT

I called them and they were still reviewing the app.

Re: AMEX PRG Recon

Anonymous — Sat, 22 Jun 2013 00:31:18 GMT

Give it about 3-5 more days and call again. Best of luck!

Re: AMEX PRG Recon

gettingthere2013 — Sat, 22 Jun 2013 01:00:54 GMT

Thank you I need it.

Re: AMEX PRG Recon

myjourney — Sat, 22 Jun 2013 01:03:13 GMT

@gettingthere2013 wrote:
Thank you I need it.

Good luck fingers crossed

Re: AMEX PRG Recon

icloud2525 — Sat, 22 Jun 2013 01:36:16 GMT

I had to recon my 1st Amex. I got an email once the decision was approved. It also updated the app status page at the same time. Took about 7-8 days if I remember correctly. Best of luck to you.

Re: AMEX PRG Recon

gettingthere2013 — Sat, 22 Jun 2013 01:55:37 GMT

If you don't mind me asking what was your score when you were approved?

Re: AMEX PRG Recon

icloud2525 — Sat, 22 Jun 2013 02:57:04 GMT

It was 718 but with short history. 8 months or so aaoa. They made me wait until denial letter before reconning so I remember putting that 718 score in letter with the cr they asked me to fax over. I was denied twice before approval with them so don't get your hopes down if it doesn't work out. Once you get approved, and you will, if not now than later, it will be well worth it. Keep us all informed.

Re: AMEX PRG Recon

nitrov — Mon, 09 Sep 2013 22:19:26 GMT

I have an Optima card with a lousy $500 that I've had for the past 6 years, PIF every month, and never made a single late payment. I called in and asked if I had any offers and they told me I was "pre-approved" for the BCE and Blue Sky cards. I did the app over the phone for the BCE card, checked the status of the app online today, and it was declined the same day it was submitted. They basically said, in so many words, 'your credit sucks and you're lucky you have jack s*** with us.'

I asked the lovely man overseas in Timbuktu's New Acct Dept. named John Smith about recon and he said he'd put notes on the recon request, but that the recon dept. is "non customer-facing" and doesn't speak with customers directly. I'm sure he barely understood half the things I said, let alone did he actually transcribe them correctly. I tried ringing the EO number I found on another thread and they're closed already, so I'm going to try again tomorrow.

Anybody ever had any luck with a situation like this?

If I don't get anywhere with the EO, I'm going to try sending a letter once I get the decline in the mail. So annoying that they pulled my credit for nothing and told me I was pre-approved...those teases. I'm so sick of that Optima joke card!

Re: AMEX PRG Recon

Walt_K — Mon, 09 Sep 2013 22:21:53 GMT

@nitrov wrote:
I have an Optima card with a lousy $500 that I've had for the past 6 years, PIF every month, and never made a single late payment. I called in and asked if I had any offers and they told me I was "pre-approved" for the BCE and Blue Sky cards. I did the app over the phone for the BCE card, checked the status of the app online today, and it was declined the same day it was submitted. They basically said, in so many words, 'your credit sucks and you're lucky you have jack s*** with us.'

I asked the lovely man overseas in Timbuktu's New Acct Dept. named John Smith about recon and he said he'd put notes on the recon request, but that the recon dept. is "non customer-facing" and doesn't speak with customers directly. I'm sure he barely understood half the things I said, let alone did he actually transcribe them correctly. I tried ringing the EO number I found on another thread and they're closed already, so I'm going to try again tomorrow.

Anybody ever had any luck with a situation like this?

If I don't get anywhere with the EO, I'm going to try sending a letter once I get the decline in the mail. So annoying that they pulled my credit for nothing and told me I was pre-approved...those teases. I'm so sick of that Optima joke card!

Don't you have to close Optima first? Run a search on Optima. I thought there was some rule where you couldn't get approved for another Amex with an Optima card open.

Re: AMEX PRG Recon

nitrov — Mon, 09 Sep 2013 23:07:23 GMT

@Walt_K wrote:
@nitrov wrote:
I have an Optima card with a lousy $500 that I've had for the past 6 years, PIF every month, and never made a single late payment. I called in and asked if I had any offers and they told me I was "pre-approved" for the BCE and Blue Sky cards. I did the app over the phone for the BCE card, checked the status of the app online today, and it was declined the same day it was submitted. They basically said, in so many words, 'your credit sucks and you're lucky you have jack s*** with us.'

I asked the lovely man overseas in Timbuktu's New Acct Dept. named John Smith about recon and he said he'd put notes on the recon request, but that the recon dept. is "non customer-facing" and doesn't speak with customers directly. I'm sure he barely understood half the things I said, let alone did he actually transcribe them correctly. I tried ringing the EO number I found on another thread and they're closed already, so I'm going to try again tomorrow.

Anybody ever had any luck with a situation like this?

If I don't get anywhere with the EO, I'm going to try sending a letter once I get the decline in the mail. So annoying that they pulled my credit for nothing and told me I was pre-approved...those teases. I'm so sick of that Optima joke card!
Don't you have to close Optima first? Run a search on Optima. I thought there was some rule where you couldn't get approved for another Amex with an Optima card open.

I thought so too, which is why I called. When I saw the decline online the same day, my first instinct was because of the open "recovery product," but apparently that is no longer the case. I did a lot of research on it on this and a couple diff forums and found enough people who said they had luck with getting a new approval before closing Optima so figured it was worth a shot. That's when they told me I had the pre-approvals.

I hope I can get the recon approved, otherwise I wasted 1-2 HPs and potentially screwed myself into getting a new Amex for another 3-6 months until I can reapply :\

Re: AMEX PRG Recon

myjourney — Mon, 09 Sep 2013 23:25:20 GMT

@Walt_K wrote:
@nitrov wrote:
I have an Optima card with a lousy $500 that I've had for the past 6 years, PIF every month, and never made a single late payment. I called in and asked if I had any offers and they told me I was "pre-approved" for the BCE and Blue Sky cards. I did the app over the phone for the BCE card, checked the status of the app online today, and it was declined the same day it was submitted. They basically said, in so many words, 'your credit sucks and you're lucky you have jack s*** with us.'

I asked the lovely man overseas in Timbuktu's New Acct Dept. named John Smith about recon and he said he'd put notes on the recon request, but that the recon dept. is "non customer-facing" and doesn't speak with customers directly. I'm sure he barely understood half the things I said, let alone did he actually transcribe them correctly. I tried ringing the EO number I found on another thread and they're closed already, so I'm going to try again tomorrow.

Anybody ever had any luck with a situation like this?

If I don't get anywhere with the EO, I'm going to try sending a letter once I get the decline in the mail. So annoying that they pulled my credit for nothing and told me I was pre-approved...those teases. I'm so sick of that Optima joke card!
Don't you have to close Optima first? Run a search on Optima. I thought there was some rule where you couldn't get approved for another Amex with an Optima card open.

+1 yes close first

Re: AMEX PRG Recon

nitrov — Mon, 09 Sep 2013 23:27:40 GMT

@myjourney wrote:
@Walt_K wrote:
@nitrov wrote:
I have an Optima card with a lousy $500 that I've had for the past 6 years, PIF every month, and never made a single late payment. I called in and asked if I had any offers and they told me I was "pre-approved" for the BCE and Blue Sky cards. I did the app over the phone for the BCE card, checked the status of the app online today, and it was declined the same day it was submitted. They basically said, in so many words, 'your credit sucks and you're lucky you have jack s*** with us.'

I asked the lovely man overseas in Timbuktu's New Acct Dept. named John Smith about recon and he said he'd put notes on the recon request, but that the recon dept. is "non customer-facing" and doesn't speak with customers directly. I'm sure he barely understood half the things I said, let alone did he actually transcribe them correctly. I tried ringing the EO number I found on another thread and they're closed already, so I'm going to try again tomorrow.

Anybody ever had any luck with a situation like this?

If I don't get anywhere with the EO, I'm going to try sending a letter once I get the decline in the mail. So annoying that they pulled my credit for nothing and told me I was pre-approved...those teases. I'm so sick of that Optima joke card!
Don't you have to close Optima first? Run a search on Optima. I thought there was some rule where you couldn't get approved for another Amex with an Optima card open.
+1 yes close first

Amex now says otherwise. In the past, when I applied for another card I got the auto-decline about the card being open. Now, I didn't and they're not saying there's that issue. If I get told that from someone during the recon process I will try closing the card, but I don't want to close one of my oldest TL's unless I know I can get something else and have it backdated.

Re: AMEX PRG Recon

Credit-hoarder — Tue, 10 Sep 2013 01:19:02 GMT

I'm interested in how this turns out also b/c I apped for AMEX PRG last week and got denied QUICK also. I'm currently waiting for my letter as well so I can decide whether to recon or not. My score at the time was 645 on EXP w/ some baddies, but I was still able to obtain 7 other cards prior to that incl. Discover IT and an unsecured Visa with my CU for $1k. And I have no other AMEX cards. If you're successful, I may ask you for the numbers you called. Good luck.