@Anonymous wrote:Come to the garden...we have cookies...
I app'd for the ED in November. Couple weeks later I see on AmEx's site I'm prequal'd for the ED. I called em. Oh yes I did, and lamented to why they are teasing me. CSR stated try after Christmas.
Gardening is good. Building a fountain of angst in the middle of mine.
Gardening may be wholesome family goodness, but I also see the obvious potential for cult-like patterns. Cookies sound good, but I caution all not o drink the Kool Aid!!! 
From the title I thought this thread should be moved to the approval section 
... sorry to hear it is a denial. As others have suggested - garden and you will be an Amex member in like 6-12 months - stay away from apps in the meantime 
You can get HP inquiry free secured personal loans with either SDFCU or Alliant CU. I'd recommend Alliant as they let you pay down your balance to whatever and push payment out indefinitely. Based on my experience SDFCU only pushes out next payment by 3 months.
@Harvey26 wrote:
@jace8602 wrote:
@Harvey26 wrote:Just applied for Amex Delta Skymiles and denied with a 724 FICO Score like Amex come on let me in!!!! Guess I need to garden forreal.
What was the reason for the denial? After all they don't only look at your score.
to many inquires in the last 12 months and no installment loans. a bunch a bull.. but i will be starting an installment loan shortly so imma garden for 2 years and then reapply. ok maybe 6 months to a year imma try my best
@Harvey26 wrote:
@jace8602 wrote:
@Harvey26 wrote:Just applied for Amex Delta Skymiles and denied with a 724 FICO Score like Amex come on let me in!!!! Guess I need to garden forreal.
What was the reason for the denial? After all they don't only look at your score.
to many inquires in the last 12 months and no installment loans. a bunch a bull.. but i will be starting an installment loan shortly so imma garden for 2 years and then reapply. ok maybe 6 months to a year imma try my best
It's makes you dizzy how they work
....I have an application for Amex BCE "In Progress" for a week now. When I called they said they sent a letter, when I get it, read it over, and call them back. Sounds like a "Secured Card" offer, or something I am not aware of. Haven't for the letter yet. But, I have been denied by Barclays for the same reasons as you stated( too many inquiries last 12 months, and no installment loan). I hope that this isn't what Amex is saying to me also. Yet, Chase Slate and CO Quicksilver approved me the same frickin week
. Amex seems they throw a dart and make a decision.
I want an Amex BCE, but still don't have one. I did speak to Amex and addressed the "no installment loan" by telling them that I own my vehicles, have no need for a mortgage, and won't take a loan just to make a report look better, that's not what credit is about. We'll see what happens. \
Best of luck in your credit venture.
@Anonymous wrote:
@Harvey26 wrote:
@jace8602 wrote:
@Harvey26 wrote:Just applied for Amex Delta Skymiles and denied with a 724 FICO Score like Amex come on let me in!!!! Guess I need to garden forreal.
What was the reason for the denial? After all they don't only look at your score.
to many inquires in the last 12 months and no installment loans. a bunch a bull.. but i will be starting an installment loan shortly so imma garden for 2 years and then reapply. ok maybe 6 months to a year imma try my best
It's makes you dizzy how they work
I want an Amex BCE, but still don't have one. I did speak to Amex and addressed the "no installment loan" by telling them that I own my vehicles, have no need for a mortgage, and won't take a loan just to make a report look better, that's not what credit is about. We'll see what happens. \
Best of luck in your credit venture.
They don't do secured cards on Amex. They don't compare themselves with what other lenders do as well. Honestly they are kind of Fickle to say the least. maybe when i got in i already had a secured installment loan completed for $500 bucks. $40 a month. As mentioned there are many loans that don't require Hp. Sdfcu is one for sure. as in most credit unions. simple plop $500 down and pay it off in 6 months. when its paid down you will have 1k in savings and loan on your report. 6 months tops and easily get in with Amex.