Applied for Gold and declined with FICO EXperian of 716. They cited serious delinquency --- that's my old student loans that's been reconsolidated 2 months ago and have been on time for the past year. My current FICO EX is now 733. They told me they're going to send that into an executive review at that point they will do a HP and will show my current 733 score. The agent was kind of laughing but I didn't say anything, he was so rude. Any tips on what to do next?
Monthly card spend to income: 7%
I agree with @FinStar .
I personally think your debt played a part in the denial.
But I agree, from what you posted, that agent was rude a heck!
I wouldn't worry too much about that CSR laughing at you. He likely makes less than a 1/3 of what you do. People who laugh at others are usually miserable in my experience.
Congrats om your approval !!!!
Welcome to Amex family
Thank ya. FYI for anybody else in the future in similar situation. The reconsideration line does work, but make sure you ask for an executive review.