topic Re: Credit Score 755 in Credit Cards

Credit Score 755

JoshNurse — Sun, 08 Jun 2014 04:04:09 GMT

I applied for an American Express Every Day card and got a $7800 limit. Also applied for a Discover it card and got approved.

The bad news is I applied for 2 other cards in the same day..yeah I drank a little too much.

The 3rd card I applied for was a American Express Blue Cash type card and a Barclays credit card. Will the 2 last ones most likely not get approved and how long should I wait to repapply for my second american express card?

Re: Credit Score 755

Kenny — Sun, 08 Jun 2014 04:06:31 GMT

You'll probably just need to call in on the Amex to get the approval rather than instant.

The Barclays was not an instant? Just call the backdoor number tomorrow and you should find out what the decision is. I don't really foresee a denial. (Don't really know too many details of your profile, though.)

Re: Credit Score 755

JoshNurse — Sun, 08 Jun 2014 04:24:43 GMT

Current utilization of all credit cards is uner 10%.

I also have my bmw payment and no late fees ever on anything. 31 years old.

Re: Credit Score 755

JoshNurse — Sun, 08 Jun 2014 04:28:31 GMT

This is the email I got:

Thank you for recent Barclaycard Rewards MasterCard® application.

We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. If we require additional information to complete the application process, we will reach out to you using the contact information you provided on the application.

Re: Credit Score 755

konupe3 — Sun, 08 Jun 2014 04:34:02 GMT

A couple weeks ago I applied for the AMEX Everyday and two days later applied for the Costco AMEX. On the Costco I got the message where they ask you to call, its all about fraud protection as they see applying for two cards in a minimal amount of time as a potential fraudulant activity. I got instantly approved for Everyday and then approved for Costco after I called a second time to check the status of the application after a few days passed and I didnt hear anything after verifying my identity.

Re: Credit Score 755

JoshNurse — Sun, 08 Jun 2014 04:42:02 GMT

Thanks do you think I should call tomorrow Sunday?

or should I wait for Monday?

Re: Credit Score 755

konupe3 — Sun, 08 Jun 2014 05:03:20 GMT

YMMV, but I applied on a Saturday, called immediately to verify identity and then called Tuesday to follow up and got approved. I would say wait a couple of days if you already haven't.

Re: Credit Score 755

JoshNurse — Sun, 08 Jun 2014 10:51:53 GMT

What is ymmv and I applied for the card on June 4.

Re: Credit Score 755

Anonymous — Sun, 08 Jun 2014 11:21:26 GMT

@JoshNurse wrote:
I applied for an American Express Every Day card and got a $7800 limit. Also applied for a Discover it card and got approved.

The bad news is I applied for 2 other cards in the same day..yeah I drank a little too much.

The 3rd card I applied for was a American Express Blue Cash type card and a Barclays credit card. Will the 2 last ones most likely not get approved and how long should I wait to repapply for my second american express card?

I applied for my second Amex (EveryDay) after being instantly approved for the Delta Skymiles, immediately. Got the "We need to speak with you before we can make a decision" message, so I called them in the morning. Verified some info, and approved the second card.

Re: Credit Score 755

Anonymous — Sun, 08 Jun 2014 11:23:48 GMT

@JoshNurse wrote:
Thanks do you think I should call tomorrow Sunday?

or should I wait for Monday?

This is the message I got..

Thank You for applying for the Amex EveryDaySM Credit Card. In order to
provide you with an instant decision, we need to speak with you. We are
available to assist you during our Hours of Operations: Monday-Friday 8AM to
Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern
Time.

Please call us at 1-800-582-6471 to be connected directly to a Customer Care
Professional who will provide you with a decision. To expedite your call, please
refer to your individual tracking number. XXXXXXXXXX.

That gives you the hours of operation too. So call them, if you don't have a tracking number, your social security number will do just fine.

Re: Credit Score 755

coldnmn — Sun, 08 Jun 2014 11:41:21 GMT

@JoshNurse wrote:
What is ymmv and I applied for the card on June 4.

YMMV = Your mileage may vary.

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Re: Credit Score 755

Kenny — Sun, 08 Jun 2014 15:51:27 GMT

Sounds like you just need to call. I would call today and not tomorrow if they're open... they should be today.

Re: Credit Score 755

takeshi74 — Sun, 08 Jun 2014 17:33:14 GMT

@JoshNurse wrote:
Will the 2 last ones most likely not get approved and how long should I wait to repapply for my second american express card?

Imposible for us to say on both questions. There's no fixed trameframe between apps that applies to everyone. It all depends on what one's credit supports. It's possible that your second AmEx may get approved. If not approved then you need to apply when the reason(s) for denial is/are addressed.

@JoshNurse wrote:
Thanks do you think I should call tomorrow Sunday?

or should I wait for Monday?

Calling won't help. If they need to contact you they'll let you know. AmEx doesn't really recon unless there's incorrect information in your report(s).