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AMEX DENIED!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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 21
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 21
Regular Contributor

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: 700 ex 714 tu, 697eq all fico
Goal Score: 750



Cap1 platinum- 500(closed 3/27/19), 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-2500-12/18
Walmart-1000 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
3/4/19- Amazon cli 500-2500
Walmart cli- 200-1000

Inq- ex 10( down to 4 in last year 6/19), eq- 5, tu-3
Banks my eye is on- us bank cit, probably amex or 2nd disco, then combine after 1 year ...
Not capital one!! (Closed secured capital one-3/27/19 small credit limit, no need anymore)
Message 13 of 21
Regular Contributor

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: 700 ex 714 tu, 697eq all fico
Goal Score: 750



Cap1 platinum- 500(closed 3/27/19), 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-2500-12/18
Walmart-1000 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
3/4/19- Amazon cli 500-2500
Walmart cli- 200-1000

Inq- ex 10( down to 4 in last year 6/19), eq- 5, tu-3
Banks my eye is on- us bank cit, probably amex or 2nd disco, then combine after 1 year ...
Not capital one!! (Closed secured capital one-3/27/19 small credit limit, no need anymore)
Message 14 of 21
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: (4.10.19) EX: 789 / EQ: 818 / TU: 797
Message 15 of 21
Regular Contributor

Re: AMEX DENIED!

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
Starting Score: 520(February/18) all 3
Current Score: 700 ex 714 tu, 697eq all fico
Goal Score: 750



Cap1 platinum- 500(closed 3/27/19), 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-2500-12/18
Walmart-1000 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
3/4/19- Amazon cli 500-2500
Walmart cli- 200-1000

Inq- ex 10( down to 4 in last year 6/19), eq- 5, tu-3
Banks my eye is on- us bank cit, probably amex or 2nd disco, then combine after 1 year ...
Not capital one!! (Closed secured capital one-3/27/19 small credit limit, no need anymore)
Message 16 of 21
Regular Contributor

Re: AMEX DENIED!

Qualify***
Starting Score: 520(February/18) all 3
Current Score: 700 ex 714 tu, 697eq all fico
Goal Score: 750



Cap1 platinum- 500(closed 3/27/19), 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-2500-12/18
Walmart-1000 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
3/4/19- Amazon cli 500-2500
Walmart cli- 200-1000

Inq- ex 10( down to 4 in last year 6/19), eq- 5, tu-3
Banks my eye is on- us bank cit, probably amex or 2nd disco, then combine after 1 year ...
Not capital one!! (Closed secured capital one-3/27/19 small credit limit, no need anymore)
Message 17 of 21
Regular Contributor

Re: AMEX DENIED!

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.







Message 18 of 21
Valued Contributor

Re: AMEX DENIED!


@dtk6802 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

You should call and request a recon.

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: (4.10.19) EX: 789 / EQ: 818 / TU: 797
Message 19 of 21
Regular Contributor

Re: AMEX DENIED!

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?
Starting Score: 520(February/18) all 3
Current Score: 700 ex 714 tu, 697eq all fico
Goal Score: 750



Cap1 platinum- 500(closed 3/27/19), 3/18
Cap1 qs-500-6/18
Disco- 2000-5/18
Dcu-3000-6/18
Amazon-2500-12/18
Walmart-1000 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
3/4/19- Amazon cli 500-2500
Walmart cli- 200-1000

Inq- ex 10( down to 4 in last year 6/19), eq- 5, tu-3
Banks my eye is on- us bank cit, probably amex or 2nd disco, then combine after 1 year ...
Not capital one!! (Closed secured capital one-3/27/19 small credit limit, no need anymore)
Message 20 of 21