AMEX DENIED!

[HeavenOhio]

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@Anonymous wrote:

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@Anonymous wrote:

So I was reading several successful AMEX applications with Fico 8 Experian scores in the 630's, it caught my attention.  I checked my Experian FICO 8 and was at 649 so I thought, what the heck.  I went ahead and applied for the Amex Everyday card, but was denied.  I viewed the letter online and it said the reason was my FICO score and showed my 649 score.

Anyone else denied with a score similar?  The denial letter says to wait 30 days... curious how long others waited to try again or at what score?

Thanks!

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This doesn't make much sense to me.  A 30-day wait is for a non-credit reason like requesting a CLI too early.  When you're denied for a credit-related reason like a low credit score the wait is 90 days.

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I think that if one is applying for a new card, 30 days is the wait time after a denial. With CLI denials, the waiting period is 90 days.

I'd aim for a score of at least 680, with 700 being better. 650 might yield an approval, but the limit is likely to be low and tough to grow for a while.

[Anonymous]

Think I was at 642 when I got the delta gold, I used for 6 months paying off everything as soon as it posted. Was later approved for Aspire, then couple months ago Amex platinum. I think waiting a couple months and opening the door with the Delta card will help.

[Anonymous]

I had a 715 score and denied for everyday card.
No missed payments.
5%utilization
They said aaoa too short. Length of loans (1-1/2)years too short.
I only applied since I was pre qualified and saw much lower scores getting card.
Now that I applied I see more pre approval for green and gold card

[Anonymous]

They also said wait one to two months to reapply after called backdoor twice

[sjt]

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@Anonymous wrote:

So I was reading several successful AMEX applications with Fico 8 Experian scores in the 630's, it caught my attention.  I checked my Experian FICO 8 and was at 649 so I thought, what the heck.  I went ahead and applied for the Amex Everyday card, but was denied.  I viewed the letter online and it said the reason was my FICO score and showed my 649 score.

Anyone else denied with a score similar?  The denial letter says to wait 30 days... curious how long others waited to try again or at what score?

Thanks!

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Can you give us a little more details on your credit profile, ie Utilization, AAOA, and Derogs, etc.

[Anonymous]

I was denied with aaoa 1 year aooa 20 months. 5 utilization. 7 inquiries
715 FICO Experian.
Reasons for denial not enough credit history
Too many inquiries. I thought I would have got the card since I saw people with 660 scores getting them left and right. But it's okay I'll be alright in July for an Amex or discover or something. Does anybody think I would not call if I in July? Please don't hold back

[Anonymous]

Qualify***

[Vu]

I think that there are two tiers of the Amex cards.

The charge card (Platinum, Gold, Green) and the co-brand cards (Hilton, Mariott, Delta) have less stringent UW than the core revolver cards (BC, ED, CM, etc.)

I get approved for Hilton and Platinum charge card, also pre-approved for Delta and Mariott cards.  But for the core revolver cards, I do not get any pre-approved.  I went ahead and cold applied for ED and promptly get denied.

So if you want the core revolver cards, I believe you need a minimum of 670 Fico score to be considered for those products.  Of course, other variables on your CR might be part of the approval too.

[sjt]

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@Anonymous wrote:
I was denied with aaoa 1 year aooa 20 months. 5 utilization. 7 inquiries
715 FICO Experian.
Reasons for denial not enough credit history
Too many inquiries. I thought I would have got the card since I saw people with 660 scores getting them left and right. But it's okay I'll be alright in July for an Amex or discover or something. Does anybody think I would not call if I in July? Please don't hold back

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You should call and request a recon.

[Anonymous]

By recon u mean call backdoor number/underwriters correct?
I did twice. This was early January. I spoke with a supervisor who was reassuring but results came back denied a week or so later. Not sure if theres anything can do now?