Amex App Denied.

[Anonymous]

Once you're in with AMEX everything is a SP on credit

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@Anonymous wrote:

Hi guys,

New here, I was wanted to get some insight / opinions. I applied to get the Amex Gold card, unfortunately.. I was recently declined last week.

I was looking at my prequalified offers and the all Hilton's Cards are still showing, should i wait to apply for one due to my recent denial? I've been rebuilding my current scores are Equifax 697 TU 674 and Ex is 711.

one missed payment 7 months ago (my mistake I have two cap 1 cards and double paid one card usually I have auto pay on but I had recently changed banks)

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[Brian_Earl_Spilner]

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@Anonymous wrote:

I'll break down my profile for you and maybe this will shed some light on exactly how bad a borrower they will approve. They're not strict across the board but they have some hang ups. 

This past week I was recently approved for a NPSL AmEx Platinum and $3100 AmEx Bonvoy. 

My negatives:

- AAoA < 3 yrs (lots of recent acct, > 5 in 24 mos.)

- FICO high 660, low 646 per Credit Karma

- 30+ inquiries, at least half of which are < 6 mos. 

- 21 mos. on time payments with a streak of baddies behind that. 30's, 60's, 90's, C/O

- CURRENTLY OPEN AMEX OPTIMA CARD!!!

My positives:

- 0% revolving utilization. 

- Diverse spectrum of account types.

- Open CSR with $19k limit. 

I'd 100% call in for a recon. 

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The only way to get an optima card is to pay them back for a charge off. It's pretty much guaranteed regardless of what your profile looks like, other than a recent BK or extremely recent derogatories.

[Anonymous]

I was thinking or hoping I could just re-apply  to the Hilton card and get in with amex. (I hear they have more lax UW)  I just wanted to see if there was someone that had previous experience with that having a recent denial with Amex. But I think I may just be the Guinea pig and try it. 

[Brian_Earl_Spilner]

I got approved for a Delta gold 8 or 9 days after I got a denial for it.

[Anonymous]

Welp I got approved for the Hilton Aspire 🤷🏻‍♂️ So I guess you can apply for a CC after a denial for a charge card Credit limit of 3100.

[AllZero]

Congratulations on your approval!

IBTL

[Anonymous]

I keep hearing people say or thinking some AMEX cards are easier to get than others......I have not experience any of that.  When I do the pre approvals site it either says I'm approved for all of them or none of them.   So I don't buy into the 1 card is easier to get than another theory or it just doesn't work that way for me.

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@Anonymous wrote:

I was thinking or hoping I could just re-apply  to the Hilton card and get in with amex. (I hear they have more lax UW)  I just wanted to see if there was someone that had previous experience with that having a recent denial with Amex. But I think I may just be the Guinea pig and try it. 

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[Anonymous]

Did you just cold apply for it or do you use the Pre Qual site to see what if anything you're pre approved for?

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@Anonymous wrote:

Welp I got approved for the Hilton Aspire 🤷🏻‍♂️ So I guess you can apply for a CC after a denial for a charge card Credit limit of 3100.

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[Remedios]

Congrats on your new card 

This thread is now locked as OP has been approved.

Feel free to start an approval thread if you wish to do so.