Amex Everyday - denied

[Anonymous]

 Want this so bad like I wanted the Amazon Store Card. So upon getting Amazon, Walmart, and Lowes all within an hour, I just couldn't resist. This was back on the 23rd. I was denied. They mailed my reason today. At the time, myFICO Experian was 646.  "sigh"   Now it's 660 and I'm just going to wait until I get it over 680+ now. I've summoned my patience warriors again. 

[ryox03]

What's your AAoA? If you just got those cards then yeah, you might just need to wait and build positive history.

[Anonymous]

I got my AMX ED card when my fico was a 746. (Or so it reported!)

Any baddies or missing payments?

[ryox03]

I was approved for my Amex cards at around the same score so I might think it was a different factor. Then again, my ED was a borderline approval as you can see by the CL.

[EAJuggalo]

I got denied this morning with a 706.  Only one active TL on report.  Going to wait 90 days and try again.

[Discover2016]

Sorry to hear about your denial, I don't know if it's a myth or not, but hasn't Amex been spooked by having First Premier as a current trade line?

[tiger_uppercut]

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@Discover2016 wrote:

Sorry to hear about your denial, I don't know if it's a myth or not, but hasn't Amex been spooked by having First Premier as a current trade line?

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No. It's the score/report plain and simple. 646 is low for them.

[Anonymous]

According to the reason mail they sent today,  it said it was the 646 score on Experian. I don't have late payments for almost 2 years now on anything. My current score is 660, but I'll wait it out awhile longer. I can sense that I'm going to get in. Just a little more patience.

[Anonymous]

I was approved with the same score but for the bcp. I may be wrong but I would think its the same underwriting terms.

A lot of the negatives are due to fall of throughout this year so maybe that has something to do with it.

[Anonymous]

one person's 646 is different than another person's 646 so it's hard to tell just based on that