Amex...let me in!!!!

[myjourney]

Be aware 

Unless something is wrong on CR's (Error) 

You will be denied again but with another HP

So as stated before first find out why you're not getting the denial letters then work on what the letter states as reasons for denial

Good luck OP

[DeeBee78]

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@mrbuilder wrote:
No idea, haven't gotten my letters yet

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You don't need to wait for the mailed letters to get your denial reason:

https://www262.americanexpress.com/eaol/welcome.do

[Anonymous]

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@mrbuilder wrote:
So I've applied for two AMEX cards in the last five months and they just aren't budging....Amex green and Amex Everyday

707 EX
27 inq (mostly car shopping)
15% util
Only derogs are 30-60-90 day lates from 2 yrs ago.
No open or paid collections reporting anymore.
AAoA ~2 yrs

I can't even find a decent recon number...

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I might be going out on a limb, but I'd say those 30, 60, 90 day lates only being 2 year's ago are all your problems with AMEX. That's just my opinion. 

[Mortalito77]

Hello everyone, I just wanted to jump into this conversation since I noticed something I am really concerned about. Are you guys saying, that co-branded Amex credit cards are not really considered American Express credit cards? I thought having a co-branded credit card in good standing and with history would be a slam dunk when applying for a regular American Express. Are co-branded Amex cards easier to get approved than a regular Amex? Thanks

[ojefferyo]

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@Mortalito77 wrote:

Hello everyone, I just wanted to jump into this conversation since I noticed something I am really concerned about. Are you guys saying, that co-branded Amex credit cards are not really considered American Express credit cards? I thought having a co-branded credit card in good standing and with history would be a slam dunk when applying for a regular American Express. Are co-branded Amex cards easier to get approved than a regular Amex? Thanks

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The only co-branded card I know of that was issued by them was/is the Costco TE card which is going aways next year anynow. There may be other cards but that's the only one I know of. NVM LOL I'm half asleep

[Mortalito77]

Here's how I see it. Delta Airlines is definitely not a bank, nor is interested in becoming one. Someone has to finance this card directly as in someone is responsible for financially backing this card up, therefore; in my opinion co-branded credit cards are more than just a sidekick. It's not like the co-branded card from Wells Fargo or Bank Of America. It's my opinion anyways. Take care everyone!

[Anonymous]

The co-branded cards on the AMEX website are just like the regular AMEX cards. AMEX does the approval, underwriting and loaning, and Delta, Hilton, Plenti, Mercedes, etc... handle the rewards, miles, points, etc... Now as far as USAA, Wells Fargo, FNBO, and many more that are AMEX cards, these are not true AMEX. Meaning AMEX handles the transactions only, not the approvals, underwriting / loaning. That's why the Delta, Mercedes, Plenti, etc..and all the co-branded cards can be accessed via AMEX website. You cannot access your USAA or Wells Fargo AMEX on the AMEX website. Hope that makes sense.

[Anonymous]

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@ojefferyo wrote:

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@Mortalito77 wrote:

Hello everyone, I just wanted to jump into this conversation since I noticed something I am really concerned about. Are you guys saying, that co-branded Amex credit cards are not really considered American Express credit cards? I thought having a co-branded credit card in good standing and with history would be a slam dunk when applying for a regular American Express. Are co-branded Amex cards easier to get approved than a regular Amex? Thanks

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The only co-branded card I know of that was issued by them was/is the Costco TE card which is going aways next year anynow. There may be other cards but that's the only one I know of. NVM LOL I'm half asleep

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I would say you would have a chance at the DELTA GOLD SkyMiles card, if it is of interest to you.