topic Re: Please Help! in Credit Cards

Please Help!

newbiewife — Sun, 04 Aug 2013 14:16:44 GMT

I app for second amex bce, I got my 1st amex TE my status said still in process, and its 1big HP on my CR, now im concern because im not sure if im going to get approve, got aHP that is sad! Another concern is im going to have CLI soon on my TE is that gonna be affected because if my BCE though I dont know if im going to get approve????

*sorry for some typos@

Re: Please Help!

JonStur — Sun, 04 Aug 2013 14:21:29 GMT

Try giving them a call. GENERALLY when you get an "in process" and not an outright denial, it's because they need more info about something...

Re: Please Help!

Burned2manybridgesB4 — Sun, 04 Aug 2013 14:22:15 GMT

If you get two, you're probably good. Three means borderline.

Re: Please Help!

newbiewife — Sun, 04 Aug 2013 14:29:28 GMT

I was approved instant on my TE. But the BCE sheeeessssshhh still in process. Now im so concerned. That one HP from bce cause me 10 points drop on my CR. do u know if my CLI is gonna be affected by this?

Re: Please Help!

Burned2manybridgesB4 — Sun, 04 Aug 2013 14:30:37 GMT

Lenders don't just take score into their reviews.

How you use/maintain your accounts, balances, and age of accounts is more important.

Re: Please Help!

09Lexie — Sun, 04 Aug 2013 17:11:37 GMT

You are already a cardmember ?

Re: Please Help!

myjourney — Sun, 04 Aug 2013 17:17:12 GMT

Sounds like an approval since your already a customer and were HP'ed

Time to make the call

good luck

Re: Please Help!

newbiewife — Sun, 04 Aug 2013 18:00:25 GMT

Yes I'm already a amex member lexie. I just got an itch to app last night and this where I end up still in process. Then I check my exp report its already a one big HP.

Re: Please Help!

newbiewife — Sun, 04 Aug 2013 18:03:15 GMT

Myjourney,I did try to call them last night unfortunately sat. They only work till 4pm. Hmmmm.... so I cant do anything.

Re: Please Help!

myjourney — Sun, 04 Aug 2013 18:12:10 GMT

@newbiewife wrote:
Myjourney,I did try to call them last night unfortunately sat. They only work till 4pm. Hmmmm.... so I cant do anything.

Not sure if Amex works Sundays someone please chime in?

After this app is complete and I think you have been approved just my 2 cents tho fingers crossed

Straight to the garden

Do not pass go

Remain there for 6 months

And finally NO NEW APPS

Re: Please Help!

newbiewife — Sun, 04 Aug 2013 18:24:25 GMT

I will definitely do the garden thing after all this craziness that im doing. I really hope they approve me cuz that 1 HP is no fun. After all chase HP for CLI and no way can do it. Duhhhh... I hope amex approve me. Make that HP worth it.

Re: Please Help!

09Lexie — Sun, 04 Aug 2013 18:30:32 GMT

Good luck. Usually HP's mean approvals for current members.

Re: Please Help!

myjourney — Sun, 04 Aug 2013 18:33:35 GMT

@newbiewife wrote:
I will definitely do the garden thing after all this craziness that im doing. I really hope they approve me cuz that 1 HP is no fun. After all chase HP for CLI and no way can do it. Duhhhh... I hope amex approve me. Make that HP worth it.

YMMV but normally when you are already a customer ...and you are

When you app another card it's a SP if denied HP if approved

So I think this speaks for itself .........Since you have been HP 'ed you are looking good IMHO

Re: Please Help!

newbiewife — Sun, 04 Aug 2013 19:04:43 GMT

Okay. Im gonna love the HP now but only from amex. :-) thanks guys making me calm down.

Re: Please Help!

djc1puno — Mon, 05 Aug 2013 00:12:03 GMT

Like others have said...it's a good pull!