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AMEX DENIED!

Community Leader
Senior Contributor

Re: AMEX DENIED!


@MaizeandBlue wrote:

@keithai1986 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!


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.


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.

Message 11 of 15
New Contributor

Re: AMEX DENIED!

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.

Message 12 of 15
Valued Member

Re: AMEX DENIED!

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
Starting Score: 520(February/18) all 3
Current Score: 695 ex 698 tu, 690eq all fico
Goal Score: 750



Cap1 platinum- 500, 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-500-12/18
Walmart-200 12/18, Home depot- 2000 2/19
Loans paid closed 1 auto 6/18
1 personal 12/18( closed)
Active loans-
Refi -dcu2.74 Auto 6/18
Personal dcu-1/19
Message 13 of 15
Valued Member

Re: AMEX DENIED!

They also said wait one to two months to reapply after called backdoor twice
Starting Score: 520(February/18) all 3
Current Score: 695 ex 698 tu, 690eq all fico
Goal Score: 750



Cap1 platinum- 500, 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-500-12/18
Walmart-200 12/18, Home depot- 2000 2/19
Loans paid closed 1 auto 6/18
1 personal 12/18( closed)
Active loans-
Refi -dcu2.74 Auto 6/18
Personal dcu-1/19
Message 14 of 15
Valued Contributor

Re: AMEX DENIED!


@keithai1986 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!


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

American Express: Platinum Charge & Optima
Barclays: Arrival+ WEMC
Capital One: Savor WMC & Venture VS
Chase: Freedom U VS & CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (2.1.19) EX: 789 / EQ: 818 / TU: 791
Message 15 of 15