Amex BC Denied Mail

[Anonymous]

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

[CreditCuriosity]

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@Anonymous wrote:

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

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680-700

[Anonymous]

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@Anonymous wrote:

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

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Sorry to hear.  I have seen people with score like yours get approved.  Is that the only reason for denial?

[Anonymous]

Thanks. Yea , Reason(s) for Our Decision: Your FICO score.

and i need wait 30 days for try again. 

[NRB525]

Sorry to hear about the denial.

How long have you had credit cards? Which cards? When were they issued?

Any negatives at all in your file?

Others have gotten an AMEX with similar scores recently, so looking for the difference in your file (short history? some recent negative? ) that would explain this.

[cem13]

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@CreditCuriousity wrote:

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@Anonymous wrote:

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

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680-700

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Not only have a decent score, your overall file needs to be clean.  I applied for the Delta Skymiles AMEX and the denial only stated "BK7 on file"  My scores are over 700 and I was "pre-qualified" too.

[CreditCuriosity]

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@cem13 wrote:

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@CreditCuriousity wrote:

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@Anonymous wrote:

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

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680-700

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Not only have a decent score, your overall file needs to be clean.  I applied for the Delta Skymiles AMEX and the denial only stated "BK7 on file"  My scores are over 700 and I was "pre-qualified" too.

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Tue, b/k is a bit of a different story though....  I agree it isn't just score but profile in general

[Anonymous]

Basically im building my credit , i just have amazon store approved in november 2014 and walmart store approved this month. i not have anything bad in my credit , i have old students loans too. 

[Anonymous]

Not an expert, but I've seen 669 score. DW got approved with 669 for ED, tried to double app for BCE and got 5 day hold and when they pulled for BCE score was 659. Still approved. Her report shows 1 paid collection from '09. Bizzare, but I'd imagine 680 is a safe number.

[TRC_WA]

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@cem13 wrote:

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@CreditCuriousity wrote:

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@Anonymous wrote:

Today  i received the denial mail for american express blue cash card , the reason: My fico score was 653. whats a good score for apply later ? 

---

680-700

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Not only have a decent score, your overall file needs to be clean.  I applied for the Delta Skymiles AMEX and the denial only stated "BK7 on file"  My scores are over 700 and I was "pre-qualified" too.

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AmEx likes to see 5 years after BK.

I was denied in 2013... 4 years after filing.

Approved in 2014.

YMMV.