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Amex 4506-c

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Awilliams1230
Member

Amex 4506-c

How long does it take for your application to be approved from the day you fill out and submit the 4506-c. Has anyone went through this process with Amex recently and got successfully approved ? How long did the process take 

Message 1 of 32
31 REPLIES 31
Jeffster1
Valued Contributor

Re: Amex 4506-c


@Awilliams1230 wrote:

How long does it take for your application to be approved from the day you fill out and submit the 4506-c. Has anyone went through this process with Amex recently and got successfully approved ? How long did the process take 


Amex let me back in exactly 61 months after my BK 13 filing. They did ask for a 4506-C. It was a bit frustrating as the form kept getting kicked back. The Amex Exec Offices came to the rescue, and got back to me to let me know that the 4506-C needs a wet signature. Previously, I  kept affixing an electronic signature.

 

Once I did it correctly, I had my card in a few days. Amex has been very good to me ever since.

 

One thing to remember....Once you upload it, you need to keep calling in every few days. If you don't, and if you did not do it correctly, they will not call you. They will send you a letter via snail mail. It's best to call in instead. 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 2 of 32
Awilliams1230
Member

Re: Amex 4506-c

I used an app to sign it but it still looks like it could have been done with a pen if that makes sense. Like it doesn't look typed it looked like a real pen did it. Anyway when I call they keep telling me they submitted it to irs so I don't think my signature was an issue unless I'm not talking to the right person 

Message 3 of 32
Jeffster1
Valued Contributor

Re: Amex 4506-c


@Awilliams1230 wrote:

I used an app to sign it but it still looks like it could have been done with a pen if that makes sense. Like it doesn't look typed it looked like a real pen did it. Anyway when I call they keep telling me they submitted it to irs so I don't think my signature was an issue unless I'm not talking to the right person 


Unfortunately...as good as Amex is...the off-shore reps taking the calls about the 4506-C are anything but knowledgeable. Not one of them told me that the problem was with my electronic signature.

 

The uploaded 4506-Cs are  then uploaded via an Equifax subsidiary...if I recall correctly...to the IRS. 

Hopefully yours go through without a hitch.

FICO 8 (3/1/24) EX 805 EQ 824 TU 844

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 4 of 32
Awilliams1230
Member

Re: Amex 4506-c

So the offshore reps kept telling you that the form has been received and successfully submitted to irs or were they telling you that it was getting rejected but just not saying the right reason it was being rejected. Cause so far everytime I call they haven't told me anything about my form being rejected but I assume if it was kicked back they would have at least told me it was rejected by now. They keep telling me it's been submitting to irs tho and just awaiting response 

Message 5 of 32
SKBirdmind
Regular Contributor

Re: Amex 4506-c

Good to see some more conversation about this... I was beginning to feel like I was talking to myself!

 

I'm still in the automatic denial-infinity-loop-of-death (where they don't even check my credit or come back with an offer), so after my last Platinum application I called them to reconsider. They eventually got back to me wanting a 4506-C which I provided - but per Jeffster1 and others, no acknowledgement that it was processed or accepted. More annoying, all I got was a carbon-copy of the last denial letter once the timeframe for my application had passed! Another offshore rep said nothing about my form, instead citing only the denial letter - by that I mean reading it back to me verbatim and being absolutely useless.

 

Someone else on the new accounts team offered words to the effect of "IRS is crazy slow and can take weeks or months to process," instead suggesting to just do another application. Same result, and she couldn't overturn it. Not sure what else to try at this point!

 

Delta Airlines' partnership with this appalling organization already has me pushing my loyalty elsewhere.

 


@Awilliams1230 wrote:

unless I'm not talking to the right person


To the best of my knowledge, such a person doesn't exist at AmEx - they only seem able or interested in working with existing customers.

"If people want to pigeonhole you, then just view it as an opportunity to prove them wrong and show that you are different to what they think you are." -E. Gordon Gee

I Am Not My Credit Score - it's just a made-up number that we all have to live with.

NOW HIRING - senior credit analyst, account manager, or high-end specialist from American Express National Bank.


Travel Cards:                                                                                                       Cashback Rewards Cards:
Screenshot-2023-06-16-at-10-22-48-AM                                  

Still Active, Less Used:                                                                                      Banks and Credit Unions:
                                    
Former Accounts, Closed Cards, RIP:

Message 6 of 32
Awilliams1230
Member

Re: Amex 4506-c

Super annoying not sure if I need to just submit a new app at this point or what. I feel like if you don't fill out everything right the very first time when you upload it's like and infinite loop of bs. I've had to upload this **bleep** form like 4 times cause certain boxes were checked that I wasn't supposed to check wet signature  etc. I've uploaded it again last week and apparently they haven't even REVIEWED it yet to be submitted to irs 😒

Message 7 of 32
SKBirdmind
Regular Contributor

Re: Amex 4506-c


@Awilliams1230 wrote:

Super annoying not sure if I need to just submit a new app at this point or what. I feel like if you don't fill out everything right the very first time when you upload it's like and infinite loop of bs. I've had to upload this **bleep** form like 4 times cause certain boxes were checked that I wasn't supposed to check wet signature  etc. I've uploaded it again last week and apparently they haven't even REVIEWED it yet to be submitted to irs 😒


I agree highly with every word you've written here, expletives included! To be honest, I've never really gotten a straight answer as to whether applications can even be reconsidered - or once a denial letter is generated, the ONLY option is to do a new app. The rep I talked to who submitted said new app for me said she could transfer to someone who could reconsider it - but she was lying, as the call went overseas and I was immediately told otherwise.

 

Not that it really matters, but which card(s) were you applying for?

"If people want to pigeonhole you, then just view it as an opportunity to prove them wrong and show that you are different to what they think you are." -E. Gordon Gee

I Am Not My Credit Score - it's just a made-up number that we all have to live with.

NOW HIRING - senior credit analyst, account manager, or high-end specialist from American Express National Bank.


Travel Cards:                                                                                                       Cashback Rewards Cards:
Screenshot-2023-06-16-at-10-22-48-AM                                  

Still Active, Less Used:                                                                                      Banks and Credit Unions:
                                    
Former Accounts, Closed Cards, RIP:

Message 8 of 32
Awilliams1230
Member

Re: Amex 4506-c

When you filled out the form did you fill  out line 5a where it ask for ives participant id number & sor mailbox id? Cause I only filled out 5D just trying to dissect why my form keeps getting kicked back. As u said previously these offshore reps are no help they just basically say bs to get u off the phone not the real reason. 

Message 9 of 32
Whala55
Visitor

Re: Amex 4506-c

Im in the same boat. Applied for Plat on 4/21. Asked to fill out 4506c. Called and each time I had to fix something . Finally got it right the 4th one and on 4/24 was told in 2-5 days I'd get the decision by email.  I'm claiming that I'm approved. Fico 790 

no derogatory. This would be my first Amex.  My projected income this year is $120k(30k more than my tax return for last year filed of 90k). Hopefully that isn't an issue. Have your heard anything back yet? 

Message 10 of 32
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