Done with Amex - they suck

[FinanceGuy205]

UPDATE: 

3rd time being declined for a Credit card with them. Had to wait 5 days for them to process it too.

I have a Gold with them that I've ran $100k + through in 2019 and $90k so far in 2020. Never late. 

Cant imagine how much they've made off of me in processing fees over time.

Card: Cash Rewards

Score: 713 (according to the denial letter).

Income: 225

Reason: "Our scoring of your credit and other relevant information"

Done with them. 

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Applied for the Cash Magnet. From inside my AMEX account.

The decision came up as "We've received your application, but we can't give you a decision right now. We'll process your application as soon as possible and send you a letter informing you of our decision within 14 days"

So I called.

The person on the phone said that my application skipped the AMEX system and went straight to the back office. They will let me know within 3 days.

Anyone else ever experience this? I have 0 lates with them.

[Anonymous]

Did you use the online status check yet?

When I called and they said within 3 days for my Biz Delta, I got approved like a day or 2 later

At least it's not a flat out denial... yet?

[FinanceGuy205]

Yeah it just says "in progress".

I find it very odd the customer support agent said it skipped the network and went right to the back office.

[Anonymous]

@FinanceGuy205 

Guess we're in the same spot now

Let me know how yours turns out 

[Anonymous]

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@Anonymous wrote:

@FinanceGuy205 

Guess we're in the same spot now

Let me know how yours turns out 

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It happened to me when I applied for the Cash Preferred - When I called they said I could only have 5 CC, in order to get the new one I'd have to cancel a current one. Ended up cancelling the Delta Gold...

[M_Smart007]

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@FinanceGuy205 wrote:

Applied for the Cash Magnet. From inside my AMEX account.

The decision came up as "We've received your application, but we can't give you a decision right now. We'll process your application as soon as possible and send you a letter informing you of our decision within 14 days"

So I called.

The person on the phone said that my application skipped the AMEX system and went straight to the back office. They will let me know within 3 days.

Anyone else ever experience this? I have 0 lates with them.

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3 days is not a bad wait time, Good Luck OP!

[Anonymous]

@M_Smart007 

Not bad at all, on call the rep said they usually process within 1-2, so maybe even shorter

[FalconSteve]

I've never heard of this either. I'll be interested to know what's up when you find out

[M_Smart007]

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@Anonymous wrote:

@M_Smart007 

Not bad at all, on call the rep said they usually process within 1-2, so maybe even shorter

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May the odds be in your favor!

[Meanmchine]

Good luck both of you