Last night, I applied for the Amex Gold Card on their site and received a rejection. I had previously done preapproval scans where this card popped up, so I didn't think it would be an issue, but here we are.
I called the reconsideration line just now to find out why I was rejected. The reason he gave me was that the offer was not valid: the offer that was shown to me was not an offer that they could give, so I was rejected. I could apply again and there would be no reason he could see that I would be rejected.
That's nice, but my concern is if this will affect my Chase 5/24 slots. I was at 3/24, so my plan was to get the Amex Gold Card and, in a couple of months, CSP once I get a preapproval in my account (got CFU in Oct and have hit SUB qual). However, a rejection would count me at 4/24 (correct?), so my next card would have to be Chase for sure.
I questioned the man on the phone: did they do a hard inquiry on my account, so if I apply again, that would be a second hard pull to get this card? He said that there was no hard inquiry, and I'm not seeing one pop up (though I've heard Amex pulls are delayed?). I'm not sure if this is true though.
Has anyone had an experience like this? How will this rejection affect my Chase 5/24? I guess I can just wait until Chase seems ready to let me get the CSP. I have some big purchases to make (wedding planning), so I'm itching for a new SUB soon.
