Amex denial, when should I try again?

[I-think-I-can]

Okay...I know I probably shouldn't have tried, but I simply couldn't help myself.  I applied for a Blue Cash Preferred and was denied  

I will have to wait for the reasons because I can't seem to access them on my application status page...sigh.  I was feeling bold because of an approval for Discover and FNBO....It was an itch I just HAD to scratch, lol.

I am curious about how long I should wait before trying again AND if there is a certain AMEX card I may have a better chance at?

No recent baddies, EQ 635, TU 685, EX 674...it looks like they pulled EX!  I would appreciate any and all suggestions!

[Anonymous]

I would try again when EX hits 700 and work on the reasons they say they denied you. they will send you a letter.

[I-think-I-can]

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@Anonymous wrote:

I would try again when EX hits 700 and work on the reasons they say they denied you. they will send you a letter.

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Thank you for the suggestion! Hopefully it will be something I can work on. 

[taxi818]

First. of all. that particular amex revolver is one of the hardest to get. so. don't think because you got denied for that one you can't get in with amex. in fact for that card i would wait until 720 ex fico. But if you just want to get in with amex. your score is good enough now. they always pull experian except in a few cases. best results always know which amex to go for.

in your case looking at your fico. you have 3 choices.

Amex Charge Card.

Amex everyday 

Amex Delta

does not matter which delta. gold , plat , or reserve. unless you have some serious bad items on your report still.

[I-think-I-can]

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@taxi818 wrote:

First. of all. that particular amex revolver is one of the hardest to get. so. don't think because you got denied for that one you can't get in with amex. in fact for that card i would wait until 720 ex fico. But if you just want to get in with amex. your score is good enough now. they always pull experian except in a few cases. best results always know which amex to go for.

in your case looking at your fico. you have 3 choices.

Amex Charge Card.

Amex everyday 

Amex Delta

does not matter which delta. gold , plat , or reserve. unless you have some serious bad items on your report still.

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Thank you! That gives me hope! Should I wait a certain amount of time before trying again? I really appreciate the help

[taxi818]

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@I-think-I-can wrote:

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@taxi818 wrote:

First. of all. that particular amex revolver is one of the hardest to get. so. don't think because you got denied for that one you can't get in with amex. in fact for that card i would wait until 720 ex fico. But if you just want to get in with amex. your score is good enough now. they always pull experian except in a few cases. best results always know which amex to go for.

in your case looking at your fico. you have 3 choices.

Amex Charge Card.

Amex everyday 

Amex Delta

does not matter which delta. gold , plat , or reserve. unless you have some serious bad items on your report still.

---

Thank you! That gives me hope! Should I wait a certain amount of time before trying again? I really appreciate the help

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I'm pretty sure you need to wait 30 days from that denial. So look at date you app,urd. Wait 30 then go for one of the crew I mentioned. Everyday is great card. But my delta went to 10k in 2 months. At time my experian was lower than yours. I think. 670 or so 

[I-think-I-can]

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@taxi818 wrote:

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@I-think-I-can wrote:

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@taxi818 wrote:

First. of all. that particular amex revolver is one of the hardest to get. so. don't think because you got denied for that one you can't get in with amex. in fact for that card i would wait until 720 ex fico. But if you just want to get in with amex. your score is good enough now. they always pull experian except in a few cases. best results always know which amex to go for.

in your case looking at your fico. you have 3 choices.

Amex Charge Card.

Amex everyday 

Amex Delta

does not matter which delta. gold , plat , or reserve. unless you have some serious bad items on your report still.

---

Thank you! That gives me hope! Should I wait a certain amount of time before trying again? I really appreciate the help

---

I'm pretty sure you need to wait 30 days from that denial. So look at date you app,urd. Wait 30 then go for one of the crew I mentioned. Everyday is great card. But my delta went to 10k in 2 months. At time my experian was lower than yours. I think. 670 or so 

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Thank you so much for the information AND the encouragement.  I can't wait to try again in a month or so

[Anonymous]

I've been denied AMEX 3 times. My most recent denial letter did not list my score as an issue, only my recent accounts and inqs. I will be waiting until summer to app again because I want the BCE. If you really want the BCP, I would see what the letter states as reason for denial and make a decision based on that.