Amex Business Checking App Denied

[Patient957]

(Mods, if this is in the wrong place, please move.)

Amex denied my application for a Business checking account today.  Not gonna lie, I did want those 30K MR points.  Oh well, you can't always get what you want.

Should I even bother calling to ask why?   They just approved me for my first Amex card this week, a BBP, so I'm inclined to not poke the bear for now and just be happpy with that.

[GZG]

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@Patient957 wrote:

(Mods, if this is in the wrong place, please move.)

Amex denied my application for a Business checking account today.  Not gonna lie, I did want those 30K MR points.  Oh well, you can't always get what you want.

Should I even bother calling to ask why?   They just approved me for my first Amex card this week, a BBP, so I'm inclined to not poke the bear for now and just be happpy with that.

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was your credit frozen?

[Patient957]

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@GZG wrote:

was your credit frozen?

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Yes.  Is that why?

Looking for the embarrassed emoji now.

[GZG]

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@Patient957 wrote:

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@GZG wrote:

was your credit frozen?

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Yes.  Is that why?

Looking for the embarrassed emoji now.

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likely, yes

chase also uses experian for identity when applying for a deposit account

[Patient957]

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@GZG wrote:

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@Patient957 wrote:

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@GZG wrote:

was your credit frozen?

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Yes.  Is that why?

Looking for the embarrassed emoji now.

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likely, yes

chase also uses experian for identity when applying for a deposit account

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Okay, so I called.  The rep confirmed it's a verification issue but couldn't say for sure if it was because my Experian was locked.  So I think that's probably the issue.  She said I would need to reapply.  

Thanks for your help, @GZG 

[pizzadude]

Agree the locked CR is probably the issue, hopefully you can reapply and still qualify for the MR SUB

[creditrizz]

I think my 3 bureaus were frozen when I opened the biz checking, but I had a few cards with them already so maybe I was already pre-verified. 

In the past they denied my attempt at opening one because the business address was home to too many businesses so they didn't consider it a valid location. 

[URHomeInvestments]

That's a good point there at the last, that having too many business accounts at the same address may trigger denials.  Good to know.

[Patient957]

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@pizzadude wrote:

Agree the locked CR is probably the issue, hopefully you can reapply and still qualify for the MR SUB

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I unfroze both my Experian and Lexis-Nexis reports today and reapplied.  Instant approval.

Thanks @GZG and @pizzadude