How often does Amex overturn instant denials?

[Soundersfan1]

This was my data points when I applied

Experian FICO 8 - 698

New Accounts - 2/6 (1 credit card, 1 4K personal loan), 3/12, 7/24

Hard Inquries - 3/6, 10/12, 16/24

Credit Usage - 19% (10% w/ AU accounts)

Total Balance - $4,345.00 on credit card, $4,000.00 on personal loan

Missed Payments - 0

Credit History - 1 year 6 months

[Soundersfan1]

No, I guess the only things holding me back is 19% utilization, 2 new accounts in the past 2 months, 3 inquries in last 2 months. 

[jdmull]

I don't think it would be the inquiries, because I was approved with much more on my file than you. I will however note, that I was approved for the Delta Skymiles Platinum, not the actual Platinum Charge.

[FicoMike0]

How long have you had bcp? What cl?

I think amex is total exposure sensitive. They may treating another card like a limit increase.  Maybe a little time will help. Getting utilization under 9% should raise your scores too.

good luck.

[Soundersfan1]

Since December 2024 and my CL is $6,000.00 with a $784 utilization (13%)