Well, it has been six months since the last AMEX account I opened so I decided to take the plunge and apply for the BCP since I have been looking for a good rewards card for groceries and streaming services.
I got the pop-up that I was not eligible for the SUB , and after submitting the application I was instantly denied.
FICO score is 722 and UTI is 5%.
No HP so far but I noticed that soft pulled me 3 days ago.
Weird is that the application status page still shows "In Progress".
Was that a pre-qualified variety of application?
I've not read of any DP about a HP ack pop-up related to time since last approval, etc.
@DONZI wrote:Was that a pre-qualified variety of application?
I've not read of any DP about a HP ack pop-up related to time since last approval, etc.
Sorry it was a typo .. I meant the pop up was about the SUB
Ah. I was first going to assume you were referring to the no bonus pop-up but then figured the pop-up mentioned was about a HP warning, assuming there is one.
Was that a cold app or was it an optimistic pre-qualified style application?
I've been thinking about an additional amex card but it'd be following pretty new approval with them.. ~3 months ago. Don't want to push my luck with them.
Had you closed or PC something with them recently? IIRC, I'd not read about any subs withheld simply due to proximity to the last approval.
I called the application status line and for some reason after entering my details the system said it could not locate my application!
EDIT: I just called to ask about the reasons. They used a month old report (nothing really has changed since) with a score of 732. They mentioned a number of reasons one was the length of time with American Express which was confusing to me since I have been on and off with them since 2012.
So I requested the application be sent for a manual review. Fingers crossed.
1@FinStar wrote:
@CreditPacMan wrote:Well, it has been six months since the last AMEX account I opened so I decided to take the plunge and apply for the BCP since I have been looking for a good rewards card for groceries and streaming services.
I got the pop-up that I was not eligible for the SUB , and after submitting the application I was instantly denied.
FICO score is 722 and UTI is 5%.
No HP so far but I noticed that soft pulled me 3 days ago.
Weird is that the application status page still shows "In Progress".
The application status page sometimes takes a while to sync up with the results.
I recall you opened a couple AmEx CCs back in October and one of them you were denied the SUB for previously cited reasons 🤔 So, I'm curious to know why this particular BCP application was denied.
https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Bonvoy-SUB-UPDATE-Message-7/m-p/6416397#M1793791
!
If you login to the amex website and check for pre-qualified card offers (any/all of cards may be pre-qualified, not just the 'featured' ones shown) then select "Apply" for any of them, the wording is different between pre-approved and not.
It'll show:
"<your first name>, you are pre-approved!
Get a decision in as little as 30 seconds."
..or something different...along the lines of 'Expand your relationship..' <--- this is more questionable but can be approval, review, denied, etc.
When the 'no bonus' pop-up occurs I don't know, but I expect regardless of when, there will still be visible the above pre-approval (or not) greeting as described above.
Whether you accept or decline to "Apply & Submit" because they state no bonus will be offered, that AFAIK does not negate the current pre-approval status.
Hence, applying later for the card (still showing as pre-approved) and accepting that no bonus will be offered, there is (still) normally a good chance of success getting the card.
Did I see in addition post where you had this card before and got upset at your CL and Closed it and not really all that long ago? Also didn't you close other AmEx cards as well? If so I'd sure tend to think that was the reason you were denied the card again.
