AMEX Everday - 14 day message

[Anonymous]

Is this a denial? I've only seen 7-10 day denials, not 14 days. My credit score is pretty low for an AMEX but this has no AF so I thought "what the heck...give it a try". So I would not be surprised to be declined. I also have a fraud alert on my file so it could be that too...anyone else get the 14 day message and get approved?

[Anonymous]

14 days are mostly a denial.  Have you tried calling them since you have an alert on your reports?

[Anonymous]

Not yet but I will in the morning.

[CreditCuriosity]

Check this link and you answer awaits..Maybe..Application status link

https://www262.americanexpress.com/eaol/welcome.do

edit: also noticed you said you have a fraud alert...  This certainly will cause you to have to speak with them as well.

[Anonymous]

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@Anonymous wrote:

Not yet but I will in the morning.

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Ok.. Keep us posted on results.

[Anonymous]

Ok, it was because of the fraud alert. He had to call me back on my phone # I provided and I had to verify a couple of things....

AND I WAS FREAKING APPROVED!!!!! $1000 SL but I got the 0% for 15 months intro offer!  My scores are in the freaking 630s! He's also rushing it to me on AMEX since it's my first AMEX and he said when I call to activate it, as for a CLI!!!!  OMG! That's my 4th PRIME card I've been approved for! Now I have DiscoverIT, NFCU Visa Signature and Rewars, and AMEX EverDay!

[Anonymous]

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@Anonymous wrote:

Ok, it was because of the fraud alert. He had to call me back on my phone # I provided and I had to verify a couple of things....

AND I WAS FREAKING APPROVED!!!!! $1000 SL but I got the 0% for 15 months intro offer!  My scores are in the freaking 630s! He's also rushing it to me on AMEX since it's my first AMEX and he said when I call to activate it, as for a CLI!!!!  OMG! That's my 4th PRIME card I've been approved for! Now I have DiscoverIT, NFCU Visa Signature and Rewars, and AMEX EverDay!

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Very nice.. Congrats and enjoy it.

[OmarGB9]

Grats op

[Hokies2379]

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@Anonymous wrote:

Ok, it was because of the fraud alert. He had to call me back on my phone # I provided and I had to verify a couple of things....

AND I WAS FREAKING APPROVED!!!!! $1000 SL but I got the 0% for 15 months intro offer!  My scores are in the freaking 630s! He's also rushing it to me on AMEX since it's my first AMEX and he said when I call to activate it, as for a CLI!!!!  OMG! That's my 4th PRIME card I've been approved for! Now I have DiscoverIT, NFCU Visa Signature and Rewars, and AMEX EverDay!

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Gotta ask, any "baddies" lingering on your report?  That's an insane haul you've had with those scores..trying to figure out how.

[Anonymous]

I have no idea how I got those cards. Here are the baddies:

1 medical collection paid EQ and TU - $650
11 late payments reporting on all 3 reports - last one 13 months ago

INQ: TU 10, EQ 16, EX: 10 - all from mortgage and car loan I received earlier this year

No cc inquiries, no cc's other than my lonely cap1 QS1 with $1500 limit and $500 Home Depot card - reporting <10% and 0% UTIL respectively.

Maybe because I don't have a ton of credit cards? I'm a credit card virgin and they wanted to pop my cherry? LOL idk. I do have an good income - $147k. And no BK, no FC, no COs, no unpaid collections or accounts. The NFCU flagship is the only one I was approved for with my husband on it. The rest I app'd alone.