How strict is Amex currently?

[Anonymous]

I applied for the Amex Cash Magnet card and it says the application needs further review and i'll get my decision within 14 days. I read on a different post that they're denying anyone with a score lower than 750 for this card, but then I would've been denied instantly right? What do you all think my odds are for being approved with a 743 Experian score? No derogatory marks, low credit utilization currently (3%), and always made payments on time, though not always in full. I filled out my information and it said I was prequalified for it so i'm hoping my chances are somewhat higher.

[Anonymous]

CC applications are typically holistic and take into account other factors beside score, this is much more relevant with Amex/national bankcard applications

[Anonymous]

---

@Anonymous wrote:

CC applications are typically holistic and take into account other factors beside score, this is much more relevant with Amex/national bankcard applications

---

Unfortunately it doesn't matter much now. They made that decision pretty fast, was denied.

[pinkandgrey]

---

@Anonymous wrote:

---

@Anonymous wrote:

CC applications are typically holistic and take into account other factors beside score, this is much more relevant with Amex/national bankcard applications

---

Unfortunately it doesn't matter much now. They made that decision pretty fast, was denied.

---

@Anonymous Never hurts to try recon. I'm not saying it will work, but it really does never hurt. 

[Rogue46]

@Anonymous  that's not true about denying anyone under 750.
I was approved for the CM on June 1st with sub 700 scores and a 6 yr old bk showing so I'm not sure what's going on with them?

[M_Smart007]

---

@Rogue46 wrote:

@Anonymous  that's not true about denying anyone under 750.
I was approved for the CM on June 1st with sub 700 scores and a 6 yr old bk showing so I'm not sure what's going on with them?

---

[Anonymous]

It'll be interesting as the holidays approach, to see if Covid lending fears still overcome greed for increased consumer spending.

[M_Smart007]

---

@Anonymous wrote:

It'll be interesting as the holidays approach, to see if Covid lending fears still overcome greed for increased consumer spending.

---

@Anonymous, It could be "interesting"  to watch.

I wonder if the old saying; "lenders are more relaxed around the holidays" will ring true?

or will it be; "The lenders that stole Christmas" 

[M_Smart007]

---

@Anonymous wrote:

---

@Anonymous wrote:

CC applications are typically holistic and take into account other factors beside score, this is much more relevant with Amex/national bankcard applications

---

Unfortunately it doesn't matter much now. They made that decision pretty fast, was denied.

---

@Anonymous, Truly Sorry for your denial

[KLEXH25]

---

@Anonymous wrote:

---

@Anonymous wrote:

CC applications are typically holistic and take into account other factors beside score, this is much more relevant with Amex/national bankcard applications

---

Unfortunately it doesn't matter much now. They made that decision pretty fast, was denied.

---

Sorry for the denial @Anonymous 

Can you share some more DPs? I'm thinking of applying for the BCP in August. Do you currently have any Amex cards? How many inquiries / new accounts in the past 6 and 12 months?