Amex Gold Skymiles Denial

[Anonymous]

Hey everybody. I applied on monday for the Chase Sapphire Prefered Card and got the 30 day message. I called the app status line and got the 7-10 day message. Called for recon but got a denial for too short credit card history and that the CL on my 2 other cards was too low (amex every day 6k - increased just 2 days prior, he said the increase didn't show up for him) (BoA secured 500). I applied for this card because I'll be traveling for work and to visit family quite a bit from now on because I'm relocating.  That being the case, I applied for the Gold Delta SkyMiles and got an inmediate denial. Scores are EX 756 (dropped 7 pts because of the Chase HP), Eq700 and TU 659. Don't know yet what Amex pulled, but they pulled EX for my other card with them. I assumed I had a good shot with the Amex because of my "relationship" with them and my EX score. I have no lates with amex but I didn't PIF in September and October because of hurracaine Maria (couldn't work for two months, we where hit pretty hard). Don't know if that factors in, but I did make well above my minimum payments during those months. Income: 72 ish (if that matters). 

So...should I call for a recon, or should I not bother? Should I wait a while? Also, any ideas on why I wasn't approved? (Maybe it's the same reasons as for the Chase Sapphire). Thanks guys!     

[Shadowfactor]

What were the denial reasons ?

[Anonymous]

Thanks for the reply Shadowfactor! I haven’t gotten them yet, I applied and got the denial today. No reasons given, it just said i’d get a letter explaining the decision...or something to that effect. (Perhaps I posted this too soon). I’ll add the reasons as soon as I get them. Thnx

[Shadowfactor]

Google "American Express Application Status"

go to the website. Enter the required infomation. and then it will bring up a list of your applications with them.

it will have a link so that you can view your application decision letter right away.

[Anonymous]

That's really strange as IIRC the Gold Delta card is the easiest one to get approved for. Heck, I got approved for it with a 637 EX score, 1 collection I'm paying down and 1 60 day late from 2 years ago.

Unless you've had a check get returned or something like that, I'd definitely call to recon.

[Anonymous]

Update: I received the denial letter. I made a payment that didn’t go through because of a mess up by my bank. I wasn’t late at all, but it did register as a payment that they couldn’t effectuate. I fixed the problem with the bank, but the damage was done, as they say. This was the reason cited in the letter for the denial. So what do you guys think should be my next step? Recon or just wait and apply later? If so, when is a good time to reapply? Thanks!

[Gmood1]

I had something similar happen a couple of months ago. They denied me twice for the same card. I waited another 30 days for the next payment to report and apped again. That time around I was approved. You'll know if they're going to approve you. You'll get a HP on EX before the approval email hits. Don't give up on it yet. You'll get it.