I thought I was past the 90 day 3 statement cycle when I applied for another revolver. I got the 7 - 10 day notice. When I called the status line it sends me to a CSR. I was told that nothing was needed from me, but that my decision would come on the 10th. Business day. So I did some digging and found that I am not quite 90 / 3 out. That 10th day the CSR was referring to is the 89th day. Has anyone ever heard of AMEX holding an app for 11 days to meet the 2 in 90/3 rule?
My FICO on EXP is 732. My Util is 14%. My AAoA is 2.6yrs. My oldest trade is 12.5yrs. My most recent trade is Feb 2018.
This will be my 4th revolver with AMEX.
AMEX ED 10/17/2017 - Approved
AMEX Gold Delta SkyMiles 12/8/2017 - Approved
AMEX Platinum Delta SkyMiles 1/24/2018 - Approved
AMEX PRG 2/22/2018 - Approved
AMEX BCE 3/10/2018 - Pending as of 10th business day 3/23/2018
If charge accounts do not count in the 2 in 90 rule I applied 1 day too soon. I didn’t factor February having only 28 days. I suspect that I applied too soon and now it needs a supervisor override.
