cancel
Showing results for 
Search instead for 
Did you mean: 

DW's AMEX Gold in process since august 24th... Approved @ a 630 EX FICO

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Frequent Contributor

DW's AMEX Gold in process since august 24th... Approved @ a 630 EX FICO

Apparently it takes AMEX a while to process an app? I think it said 7 days??  Can't recall now.

 

This was a prequal for her with a borderline 630 EX08 score or something.  I log in the check every couple days but just says in process, "check back in 24 hours".  I had thought this had about a 25% chance of approval but since she had one INQ in EX figured WTH.   They must be pouring over those (2) 6 YO CO's and (3) 5 YO CA's. Smiley Happy  She does have perfect history over the last 4 years and 1% UTL...  will report back when we hear.


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
9-6-19 -
Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG
Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: DW's AMEX Gold in process since august 24th

Have you called in to ask? At this point I definitely would.


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 2 of 11
Frequent Contributor

Re: DW's AMEX Gold in process since august 24th


@ImTheDevil wrote:
Have you called in to ask? At this point I definitely would.

Nope.  Does that just speed up the denial?  Smiley Happy


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
9-6-19 -
Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG
Message 3 of 11
Established Contributor

Re: DW's AMEX Gold in process since august 24th

You might be spinning your wheels waiting on something via USPS that is a couple of quick questions that need to be answered.  7 days into it is unusual for an app.  Now if they requested a 4506-T for income verification then 7 days isn't unreasonable to process and get results back.

500K+ TCL / 800+ FCOs
Message 4 of 11
Moderator

Re: DW's AMEX Gold in process since august 24th

OP, typically the automatic online response is 7-14 days for processing of any pending application. Some are generally turned around quicker than others. Earlier in the year, one of mine really took almost the full 14 days, IIRC.

If she's curious to learn of the status, she can call the new accounts line so she can be routed to someone who could further assist. Sometimes it could be due to verification, other times it's a standard review process timeframe.
Message 5 of 11
Community Leader
Senior Contributor

Re: DW's AMEX Gold in process since august 24th


@spiritcraft1 wrote:

@ImTheDevil wrote:
Have you called in to ask? At this point I definitely would.

Nope.  Does that just speed up the denial?  Smiley Happy


Wouldn’t you prefer to know sooner rather than later 😂🤣

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 11
Frequent Contributor

Re: DW's AMEX Gold in process since august 24th


@CreditInspired wrote:

@spiritcraft1 wrote:

@ImTheDevil wrote:
Have you called in to ask? At this point I definitely would.

Nope.  Does that just speed up the denial?  Smiley Happy


Wouldn’t you prefer to know sooner rather than later 😂🤣


Myself, yes of course.  I will see if I can prompt her into giving them a call.


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
9-6-19 -
Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG
Message 7 of 11
Senior Contributor

Re: DW's AMEX Gold in process since august 24th

< crossing fingers >




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>08/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 8 of 11
Contributor

Re: DW's AMEX Gold in process since august 24th

Definitely curious to hear back about what happened with your AMEX app. It took me nearly a month to get approved for a card with another bank.

Current Collection:

Future Additions:
Message 9 of 11
Frequent Contributor

Re: DW's AMEX Gold in process since august 24th

She talked to a very nice rep today who verified her identity and was apparently gleeful in telling her she was approved for a "$6K something or another with a total of $20k".  Very cool, we are halfway in with AMEX.  So what do those figures represent?

 

So to recap.  She got in witha 630 EX FICO 08 and several nearly 6 year old derogs and at the time 14% UTI.

 

I will likely become an AU and we will see when I see a prequal.  The business side will be where we can put big spend on an AMEX when we get that far.

 

 


Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
9-6-19 -
Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.