Sent an old school snail mail recon letter to AMEX about three weeks ago my denial of a Hilton Ascend. Wondering if anyone has been through this process ( mail) and can shed some light on what to expect ( if anything) as far as response. If denied again- I’m gonna call ( what the heck right?). But hoping someone has some insight on whether I can even expect a response, a sign they received the letter or silence if it’s still a decline? Thanks in advance!
So the denial reason cited was my credit score - I’m at 650 for Experian according to AMEX but that is not the full story since my other bureaus pull much higher and is why I wanted to recon via mail. My other scores are Equifax 686 and TransUnion 674 ( and my Bankcard 8 and 9 are in the ballpark for those 2).
Candidly , Ive improved my credit situation immensely over the last few years and back in December was able to complete the transformation from building cards to where I want to be ( Penfed extremely high sl, Discover same and Jet Blue) but Hilton and chase united escape me and would ultimately close the book on my card goals.
I currently have two cards with Amex, Delta and Blue Cash but really want a Hilton ( I travel frequently and I’m always staying with Hilton) and would easily replace either or both to do it but no dice from Amex to this point. I have been executing against a plan I’ve had in place for multiple years to get my scores into the 700s and I’m almost there but given the recent approvals I thought this might be it and wanted to recon by mail to show the other scores.