topic Re: Amex Recon in Credit Cards

Amex Recon

Jayb5635 — Mon, 27 Jan 2014 23:12:13 GMT

Hey guys, so I faxed in a copy of my credit report on Friday for reconsideration on my blue cash preferred application. The rep told me to call back on Tuesday to check that the Media team received it. Is 48 hours the norm for how long it takes them to get to the faxed documents ???

Re: Amex Recon

myjourney — Mon, 27 Jan 2014 23:25:10 GMT

Yes it takes time for some reason....Strange but hey it's the Amex way

You are aware that they will most likely do another HP?

Re: Amex Recon

Jayb5635 — Mon, 27 Jan 2014 23:27:26 GMT

Yeah, I'm aware lol. Hopefully it works out. They denied me off their last soft pull around the end of last month and my ex fico was I believe 659 due to a bunch of high balances reporting. I've since paid everything off and my ex fico currently sits at 690.

Re: Amex Recon

myjourney — Tue, 28 Jan 2014 00:14:53 GMT

@Jayb5635 wrote:
Yeah, I'm aware lol. Hopefully it works out. They denied me off their last soft pull around the end of last month and my ex fico was I believe 659 due to a bunch of high balances reporting. I've since paid everything off and my ex fico currently sits at 690.

Good luck Jayb I'll have my fingers crossed for you

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 00:25:21 GMT

Thank man !!! I mean, if amex can approve me for the blue cash everyday last March with a 678 ex fico, SURELY they can find it in their hearts to approve me for the blue cash preferred with a 690 fico lol.

Re: Amex Recon

Anonymous — Tue, 28 Jan 2014 01:53:10 GMT

I hate that its 2014 and big companies still use fax machines.

Re: Amex Recon

Anonymous — Tue, 28 Jan 2014 01:58:42 GMT

@Anonymous wrote:
I hate that its 2014 and big companies still use fax machines.

well faxing documents over still beats sending it via physical mail

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 22:05:37 GMT

Haha agreed. To follow up, I called today. The rep put me hold roughly 10 minutes, then came back and said it took them a bit to find the documents I faxed over. She said they would get back to me with a decision. Anyway, I checked the status of the application and it changed to in process.

Re: Amex Recon

Anonymous — Tue, 28 Jan 2014 22:16:08 GMT

Best of luck to you. Let us know when you find out something! Hope it's good news!

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 22:17:46 GMT

Thanks, I appreciate that. I will definitely report back.

Re: Amex Recon

espnjunkie — Tue, 28 Jan 2014 22:18:22 GMT

Why would you apply for the BCP if you already have the BCE? Why not just call them and upgrade your account?

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 22:26:13 GMT

All this started because they sent me a replacement card but with the EMV (chip & signature) and not the expresspay chip. When I called they said there was absolutely no way of changing it back. It annoyed the holy hell out of me because I never asked for it. Anyway that, the fact I still have not had success getting a cli on the BCE, the signup bonus of the BCP, and my ex fico being higher now than almost a year ago when I was approved for the BCE (678 then, 690 now) all motivated me to app. I can simply (I think I can anyway) close the BCE and move the cl from there to the freshly opened BCP. Also I can earn cash back at a higher rate and use the 150 signup bonus to cancel out the annual fee for a year or two.

Re: Amex Recon

espnjunkie — Tue, 28 Jan 2014 22:29:37 GMT

Why would it upset you to have the EMV chip? The magnetic strip on the back still works just fine and the EMV just gives you more felxibility if you travel

Re: Amex Recon

Anonymous — Tue, 28 Jan 2014 22:30:54 GMT

@Jayb5635 wrote:
All this started because they sent me a replacement card but with the EMV (chip & signature) and not the expresspay chip. When I called they said there was absolutely no way of changing it back. It annoyed the holy hell out of me because I never asked for it. Anyway that, the fact I still have not had success getting a cli on the BCE, the signup bonus of the BCP, and my ex fico being higher now than almost a year ago when I was approved for the BCE (678 then, 690 now) all motivated me to app. I can simply (I think I can anyway) close the BCE and move the cl from there to the freshly opened BCP. Also I can earn cash back at a higher rate and use the 150 signup bonus to cancel out the annual fee for a year or two.

well, you can always keep both cards.

6% on the first 6k in groceries, followed by 3% on the following 6k

Your groceries are pretty much covered then.

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 22:37:04 GMT

My annoyance was more with their making a mistake and not being able to do anything about it. They screwed up, and instead of undoing it, their response was essentially oh well you gotta deal with it. It isn't a big deal in the grand scheme of things but yeah, that response annoyed me. Also, I already have the EMV chip on my platinum card. It makes sense to me on that particular card because there is no foreign transaction fee, not so with the BCE/BCP.

Re: Amex Recon

Jayb5635 — Tue, 28 Jan 2014 22:39:43 GMT

Haha that's a great idea !!! I got to give it some thought then.

Re: Amex Recon

CreditRookie22 — Wed, 29 Jan 2014 00:36:58 GMT

What is your oldest account, aaoa, inquiries, payment history, and other credit limits??

Re: Amex Recon

Jayb5635 — Wed, 29 Jan 2014 01:12:23 GMT

According to experian, my oldest account is over 12 years. AAoA is 3 years I believe. 3 inquires, one 3/2013 the other two 4/2013. One (accidental lol) 30 day late payment with capital one 10/2011. One other negative bit of info is a charged off account with applied bank with finally falls off this coming August. My credit limits are all in my siggy, not sure if maybe you didn't notice or something. Also an authorized user on my girlfriends amex BCP which has a credit line of around 18k. Also an authorized user on my girlfriends citi card, and that has a credit line of 30k. Also the citi card shows up on my report as opened in 2004, which is nice. Hopefully I didn't miss anything and answered everything for you haha.

Re: Amex Recon

Jayb5635 — Wed, 29 Jan 2014 01:13:56 GMT

Apologies for any typos, on my iPhone btw.

Re: Amex Recon

blunderer — Wed, 29 Jan 2014 01:39:32 GMT

I hope the app goes through. For me, my app for the BCE was automatically cancelled by the system because I had a BCP. After many, many, many calls and finally a very in depth call with one of the credit analyst she was told basically it's just "their rule" that you can't have BCP & BCE but you can have BCP & Blue Sky Preferred or BCE and Blue Sky/Blue. Of course others on this board have gotten both the BCP & BCE but I believe they applied using a different computer/browser after clearing the cache so as to appear as a new app opposed to a current cardholder.

Good Luck. Hopefully it works out for you.