topic Re: Amex Charge Denied but Revolver Approved? in Credit Cards

UPDATE Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Thu, 16 Oct 2014 19:10:38 GMT

*UPDATE*

I called Amex and it turns out they were protecting my identity by declining the applicatons. I now have three revolvers with them:

Mercedes Benz: $12,500

Delta Reserve: $19,500

Starwood: $21,000.

My application for the Platinum was just denied. I'll never know why I can't get a charge card...

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

Re: Amex Charge Denied but Revolver Approved?

Closingracer99 — Sat, 06 Sep 2014 19:53:33 GMT

@buildingcreditfromnothing wrote:
Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

I say who cares what Amex is thnking and be glad you got an Amex card

I never looked that much into it lol

Re: Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Sat, 06 Sep 2014 19:59:18 GMT

I understand what you're thinking I just can't help but be amazed that they don't trust me with a charge lol!

Re: Amex Charge Denied but Revolver Approved?

twist7d7 — Sat, 06 Sep 2014 20:00:53 GMT

@buildingcreditfromnothing wrote:
Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer

Re: Amex Charge Denied but Revolver Approved?

jsucool76 — Sat, 06 Sep 2014 20:02:39 GMT

@twist7d7 wrote:
@buildingcreditfromnothing wrote:
Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!
Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer

I've not heard that before.

Re: Amex Charge Denied but Revolver Approved?

taxi818 — Sat, 06 Sep 2014 20:02:41 GMT

Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

Re: Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Sat, 06 Sep 2014 20:02:57 GMT

I didn't know that you needed a year of charge card history to get the Plat... My bad They deny me for every charge product, but give me any revolver I want.... So odd lol

Re: Amex Charge Denied but Revolver Approved?

Closingracer99 — Sat, 06 Sep 2014 20:04:14 GMT

@taxi818 wrote:
Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

Trust me if you fly a lot that $450 AF is worth it

Re: Amex Charge Denied but Revolver Approved?

jsucool76 — Sat, 06 Sep 2014 20:04:50 GMT

@taxi818 wrote:
Would much rather have that revolver. even with 1k limit. over charge. but to each his own. But that 450 AF YIKES!!!!!!

Yeah but if you apply before the year is over you'll get the $200 airline credit now, and then be eligible again in january, effectively bringing your AF down to $50, then when you add in the global entry credit your AF is -$50. lol

Re: Amex Charge Denied but Revolver Approved?

Closingracer99 — Sat, 06 Sep 2014 20:04:54 GMT

@buildingcreditfromnothing wrote:
I didn't know that you needed a year of charge card history to get the Plat... My bad They deny me for every charge product, but give me any revolver I want.... So odd lol

Naa i don't believe so ... They all have the same underwriting so you would of gotten declined for the Green card as well

Re: Amex Charge Denied but Revolver Approved?

twist7d7 — Sat, 06 Sep 2014 20:06:28 GMT

@jsucool76 wrote:
@twist7d7 wrote:
@buildingcreditfromnothing wrote:
Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!
Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer
I've not heard that before.

I was told that buy the CSR that did my PRG card app. Did they give you a reason for denial?

Re: Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Sat, 06 Sep 2014 20:06:34 GMT

Believe me, I've applied for the Green, Gold, PRG and Plat... all denied Hahah I now have the True Earnings Business (6K CL) and SPG Personal (21K CL).

Re: Amex Charge Denied but Revolver Approved?

jsucool76 — Sat, 06 Sep 2014 20:06:47 GMT

Also, I thought you had to wait like 31 days in between amex denials before you could app again?

Re: Amex Charge Denied but Revolver Approved?

Closingracer99 — Sat, 06 Sep 2014 20:07:34 GMT

@jsucool76 wrote:
Also, I thought you had to wait like 31 days in between amex denials before you could app again?

Na You only have to wait 31 days to apply for the same card

Re: Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Sat, 06 Sep 2014 20:07:52 GMT

They always give me a laundry list of denial reasons about my Util (4%) and "Number of accounts with delinquency". I cosigned on an auto loan that had ONE 30 day late in 2007. Why are they still bringing that up lol?

Re: Amex Charge Denied but Revolver Approved?

jsucool76 — Sat, 06 Sep 2014 20:08:06 GMT

@Closingracer99 wrote:
@jsucool76 wrote:
Also, I thought you had to wait like 31 days in between amex denials before you could app again?
Na You only have to wait 31 days to apply for the same card

Ah, got it. Good to know.

Re: Amex Charge Denied but Revolver Approved?

Closingracer99 — Sat, 06 Sep 2014 20:10:00 GMT

@jsucool76 wrote:
@Closingracer99 wrote:
@jsucool76 wrote:
Also, I thought you had to wait like 31 days in between amex denials before you could app again?
Na You only have to wait 31 days to apply for the same card
Ah, got it. Good to know.

With Charge cards while I think you could apply for each one after each denial it would be pointless since they all have the same under writing

Re: Amex Charge Denied but Revolver Approved?

twist7d7 — Sat, 06 Sep 2014 20:11:25 GMT

@buildingcreditfromnothing wrote:
They always give me a laundry list of denial reasons about my Util (4%) and "Number of accounts with delinquency". I cosigned on an auto loan that had ONE 30 day late in 2007. Why are they still bringing that up lol?

Wow, i know amex doesnt recon but in this case it might be worth a manual look over. i might just be a probem in there system. id give them a call

Re: Amex Charge Denied but Revolver Approved?

buildingcreditfromnothing — Sat, 06 Sep 2014 20:13:39 GMT

What I think happened is that when my identity was stolen a few months back (long story), they flagged my name after all of the fraudulent applications were submitted. There were like 49 submitted and I had to call and have them cleared from my name. In August, I applied for the PRG and got instant denial for reasons that don't apply to me. Do you think I have been blacklisted from charge cards lol?

Re: Amex Charge Denied but Revolver Approved?

twist7d7 — Sat, 06 Sep 2014 20:15:49 GMT

@buildingcreditfromnothing wrote:
What I think happened is that when my identity was stolen a few months back (long story), they flagged my name after all of the fraudulent applications were submitted. There were like 49 submitted and I had to call and have them cleared from my name. In August, I applied for the PRG and got instant denial for reasons that don't apply to me. Do you think I have been blacklisted from charge cards lol?

I dont think you have been blacklisted. they might think its more identy fraud going on. like i said before might be worth a call or two. Id ask to talk to someone higher then a regular CSR.

topic Re: Amex Charge Denied but Revolver Approved? in Credit Cards

*UPDATE* Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

Re: Amex Charge Denied but Revolver Approved?

UPDATE Amex Charge Denied but Revolver Approved?