Hi everyone, wanted to get some thoughts on this. Applied for an Amex amazon business prime card the other day. Got the 7-10 day message, followed by an email directing me to the check status site. When I logged in, the application showed “cancelled.” The attached file was a letter stating that Amex needed my bank to verify my home address on letter head. They were very very specific regarding bankers name, extension, office hours, signature, etc etc. called Amex and they said the initial fraud alert on my Experian (that EX put on there without me even knowing) was the reason for this verification.
I sent a secure message to NFCU yesterday and they had it to me within 24 hours. The letter states they do not have direct phone lines but that Amex could call and “any rep” would verify the letter. Don’t know if this letter will fly with Amex because I’ve read many posts with people saying their bank letter was turned down for little things like this... no direct line, or the bank requesting that Amex call them with member on the phone, and not the other way around.
I guess I’d like to hear your thoughts. Is this a likely approval or is this what they need to even review my file? It seems pretty detailed. I ask because in the event they do not approve my letter, id have to drive 3 hours one way to get to an NFCU branch.... so I’m trying to decide just how many hoops I’m willing to jump through to get this accepted.
Basic DPs:
AAOA: almost 6 years
Oldest account: more than 12 years
Experian: 702 Fico 8
Lots of inquiries recently.
4/12 new card accounts, 2/6 new card accounts
1 secured $3000 personal loan with NFCU in March, which was paid off in just under two months (only choice I had due to an issue with the collateral)
No collections
3 old paid charge offs
1 paid auto charge off (reporting as happening in 2018, not 2017... working on getting it corrected)