Hoping this isn't an Amex denial...

[Anonymous]

Should I apply elsewhere before they review it or just hold out 14 days?

[mkhan1093]

Definitely don't apply elsewhere, try calling them about it in a week or something. If your signature is up to date, I can understand Amex's hesitation since you only have a secured card at the moment

[Anonymous]

I like the name of your jpeg file. Honestly it could go both ways. What's your current profile like? Sometimes, it could just be a mere verification requirement. That happened to me before, but when I called them up, they just needed to verify that it was me. I would call them up and speak to an UW and ask them if there's anything you could clear up for them. Good luck!

[Anonymous]

Thanks. I'll give it a week. Or Friday if I'm really impatient.

I changed my signature. I just have a Cap1 Secured which had an auto increase on the 6 month mark. I was hoping that's all I need to get me into Amex since I'm avoiding other major banks for now. I did pre-qualify for the Blue Cash Awards a few months ago but when I tried it this time..it showed me their other cards so that might have been a red flag.

My scores have only gone up though. Not sure on actual numbers but I mean... 7 months with a 3% utilization and multiple payments on my secured so I think I'm good. All my baddies are old charge offs from 10 years ago.

[Anonymous]

Sounds like you have a thin profile?  What are your FICO8 scores?  What's your utilization like on any one card and across all your cards?

I wouldn't cold app for Amex with a thin profile.  Use their prequalification page in the future.

Wait it out 2 weeks and see what they say.  Call for a recon if you're comfortable doing that, if necessary.

[Anonymous]

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@Anonymous wrote:

Thanks. I'll give it a week. Or Friday if I'm really impatient.

I changed my signature. I just have a Cap1 Secured which had an auto increase on the 6 month mark. I was hoping that's all I need to get me into Amex since I'm avoiding other major banks for now. I did pre-qualify for the Blue Cash Awards a few months ago but when I tried it this time..it showed me their other cards so that might have been a red flag.

My scores have only gone up though. Not sure on actual numbers but I mean... 7 months with a 3% utilization and multiple payments on my secured so I think I'm good. All my baddies are old charge offs from 10 years ago.

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6 mos. is enought time to get in with AMEX, but what is your score currently, specifically your EX Fico score? When I got my first approval for the AMEX BCE, I was on my 6th month as well. But they did need to verify that it was me applying. If your FICO scores are at least 670 and up, I think your odds of getting approved are great. Hoping that you get it. 

[Anonymous]

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@Anonymous wrote:

Should I apply elsewhere before they review it or just hold out 14 days?

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I had the same verbage before I was approved for my Platinum card about a week later. It means your app is going to be manually reviewed and then they'l make a decision. 

[MrDisco99]

You can check the status online.

https://www.americanexpress.com/applicationstatus

EDIT: fixed - it is now.  You still had a typo in your link so it wasn't working but I fixed it for you - Irish80

[Anonymous]

Awesome, thanks Disco. They didn't even tell me I could do that in the email they sent me!


I was told on this forum that Discover Scorecard is a legit ex score.... 765 which seems too ridiculous for me having one card. There is a mistake on my report though showing a card active for a few years that was closed years ago. So now that someone is doing a manual review I might get outted for that and drop. I was hoping to take advantage of the screw upwith more credit before then. lol

[SomewhereIn505]

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@MrDisco99 wrote:
You can check the status online.

https://www.anericanexpress.com/applicationstatus

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Need to fix the link - aMericanexpress - not aNericanexpress