You might have had a card since 2005, but you've only had your own account for less than a year. Your payment history was really that of the person that made you AU as they are expected to pay.
From an UW perspective, AU AmEx history is not taken into consideration when evaluating an application hence the reason cited as you became a cardmember this year.
Hopefully you'll hear a good outcome with the re-review of the app, but just something to keep in mind.
I applied for Hilton Surpass for initial denial. Called for reconsideration, they sent it to UW. Last Friday.
i checked online today to see this denial agin. Ruined my day.
“ Thank you for applying for Hilton Honors American Express SurpassÂ® Card. We are writing to let you know that, unfortunately, we cannot approve your application at this time.
Reason(s) for Our Decision
Our scoring of your credit and other relevant information (see below)
We evaluated your application using a credit scoring system that considers various pieces of information, including your credit report. The following key factors contributed to our evaluation:
The length of time you have been a customer with American Express is too short.
Information About Your FICOÂ® Score
We obtained your FICO score from Experian and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On November 20, 2019, your FICO score was 738. The FICO score ranges from 300 to 850. The following are the key factors that contributed to your FICO score:”
Ugh this sucks.
Odd considering they just gave me a Delta Amex last month. Then again that’s probably why.
Suggestions people? I have a trip in March coming up with a Hilton property
Try again beginning of February. GL!
My cards say Member Since 2015 because that's when I got a card in Canada. That card, which I cancelled after a year, has no impact on my relationship with Amex in the United States beyond what it says on the card and what agents say on the phone to me.