Amex recon

[Anonymous]

Is the denial a hard pull if you are not a a cardmember yet?

[Creditplz]

Yup

[grillandwinemaster]

---

@Creditplz wrote:
With Amex that is how it usually works, I was denied with a 771, for not spending enough on air travel when I applied for a hotel card...

Good luck with your recon!

---

How can they ascertain that you don't spend enough on Air travel?  

You can certainly use a hotel card without using air travel. Amex can be a strange one indeed. 

[Blackswizz750]

@sit, if you don't mind, can you send me a sample recon letter. I am bad a doing this. Amex can be weird. I was approved for a charge and a bce but denied the everyday which should have the same uw as the bce.

[sjt]

---

@Blackswizz750 wrote:
@Anonymous, if you don't mind, can you send me a sample recon letter. I am bad a doing this. Amex can be weird. I was approved for a charge and a bce but denied the everyday which should have the same uw as the bce.

---

Sent

[Boribori]

Sent PM

[Boribori]

Also, does anyone have an email address for AMEX or a fax number? Or... does everyone recommend a simple letter? Also, hand written or typed? One more thing, should I include a copy of my credit reports? The only ones that I have are TU and Equifax, stupid questions messed me up from getting my Experian one 

[sjt]

Check your pm

Send a letter to the address in the denial letter.

[bourgogne]

---

@sjt wrote:
Check your pm

Send a letter to the address in the denial letter.

---

@sjt, may I have a copy of your letter for a friend of mine please.  thank you

[Anonymous]

Apologize for reviving this thread but I thought it would be better than starting a new one. I recently applied for the Amex platinum and was denied. Afterwards I requested a recon and was denied again for the following reasons with no HP.

Lack of revolving bank card balances.
Length of time accounts have been established.
Length of time consumer finance company loans have been established
Proportion of revolving balances to revolving credit limits is too high.

I find it odd because I don't have balances on most of my cards and the ones that do are under 30% utilization. Do you think it is worth another recon try? Any help is appreciated as I travel weekly for work and the perks are perfect for me.