No Amex Offers - Advice?

[TSlop]

What are your denial reasons that Amex sent you? Unless I missed it, I didn't see you post what Amex is saying in denying you a CLI. You suspect it is short history, but is that what is in the letters?

[Dmessina666]

You have a lot of young accounts is the only thing I can think off, unless utilization is high or lack of real estate. 

Give it time. 

[Anonymous]

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@Dmessina666 wrote:

You have a lot of young accounts is the only thing I can think off, unless utilization is high or lack of real estate. 

Give it time. 

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Lack of real estate would probably be it. 

[Anonymous]

Please clarify what you mean by lack of real estate? Do you mean installment loan or is there an actual penalty for not owning property? 

[Anonymous]

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@Anonymous wrote:

Please clarify what you mean by lack of real estate? Do you mean installment loan or is there an actual penalty for not owning property? 

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I do not own any physical real estate. I currently have a 5 yr SSL with NFCU paid down to 93%.

[randomguy1]

For your AU accounts.

Do you share the same address as the AU accounts? Are there other AU on those AU accounts? You have a very young account with 3 AUs and have opened up a good amount of cards since opening up your AMEX. I might guess that it is a high risk account for various reasons and maybe even fraud in AMEX's eyes.

[Anonymous]

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@randomguy1 wrote:

For your AU accounts.

Do you share the same address as the AU accounts? Are there other AU on those AU accounts? You have a very young account with 3 AUs and have opened up a good amount of cards since opening up your AMEX. I might guess that it is a high risk account for various reasons and maybe even fraud in AMEX's eyes.

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Same address, and by family relationship. Uncertain as to why they're hesitant, besides the age thing. Would really like to get a travel card, as my Amex ED rarely sees any use.

[CreditFun]

How does Amex feel about Synchrony?  Aren't they considered consumer finance accounts?  When I glanced at yourprofile that's what jumped out at me.

[coldfusion]

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@CreditFun wrote:

How does Amex feel about Synchrony?  Aren't they considered consumer finance accounts?  When I glanced at yourprofile that's what jumped out at me.

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ot a problem.

The fact that several of the cards that OP has opened in the last year were issued by Synchrony would be a non-issue.

ED won't be eligible for an upgrade until after September 23rd.  One can't legally upgrade a card to another one with a bigger AF until they've held it for at least a year.

OP has a young profile and has opened up about 8 cards in his name in the last year.   In AMEX' eyes he needs to cool his jets for a while and maintain the status quo including prompt full payments on his accounts.

[Thermionic_E]

If you don't share an address with au they consider it fraud? Why?