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AEO Credit Card Denial - Update: Approved

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Harvey26
Valued Contributor

AEO Credit Card Denial - Update: Approved

Was out shopping yesterday and I frequently shop in American Eagle applied for credit card and offered 30% off. I was declined and the even more strange part is I received TRIPLE HPs on each of my credit reports. I am curious to see what the letter says when it comes in the mail. I thought about calling but just not that concerned about the application.

Amex ED: 7K, Delta Gold Amex: 7K Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 50K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K Target Store Card: 2K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K
Henrico Federal Credit Union Auto Loan: 32K @ 1.74
Message 1 of 18
17 REPLIES 17
AllZero
Mega Contributor

Re: AEO Credit Card Denial

That is unfortunate about the denial. This is Synchrony Bank backed? It is my understanding they primarily HP TransUnion ?

 

Maybe give AEO a call and see what are you options?

Message 2 of 18
dragontears
Senior Contributor

Re: AEO Credit Card Denial


@Harvey26 wrote:

Was out shopping yesterday and I frequently shop in American Eagle applied for credit card and offered 30% off. I was declined and the even more strange part is I received TRIPLE HPs on each of my credit reports. I am curious to see what the letter says when it comes in the mail. I thought about calling but just not that concerned about the application.


Clarification you received 3 pulls on each report for a total of 9 HP???

Message 3 of 18
Harvey26
Valued Contributor

Re: AEO Credit Card Denial

@dragontearsno just one on each report.

Amex ED: 7K, Delta Gold Amex: 7K Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 50K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K Target Store Card: 2K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K
Henrico Federal Credit Union Auto Loan: 32K @ 1.74
Message 4 of 18
OmarGB9
Community Leader
Super Contributor

Re: AEO Credit Card Denial


@Harvey26 wrote:

@dragontearsno just one on each report.


The way you worded it, it sounds like 3 pulls on EACH bureau. Anyway, yes AEO is sync backed, and the way they've been so twitchy lately, I can see denials if one's file isn't pretty much flawless. Do you have any derogs?


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 18
M_Smart007
Legendary Contributor

Re: AEO Credit Card Denial

Sorry for your AEO denialSmiley Sad

Sync going the way of 3 HP'sSmiley Tongue

Message 6 of 18
Harvey26
Valued Contributor

Re: AEO Credit Card Denial

@OmarGB9  Nope never scores all over 740. I have synch back account BR VISA 6K, Lowes 35K. All in good standing and zero balance.

Amex ED: 7K, Delta Gold Amex: 7K Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 50K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K Target Store Card: 2K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K
Henrico Federal Credit Union Auto Loan: 32K @ 1.74
Message 7 of 18
Credit4Growth
Senior Contributor

Re: AEO Credit Card Denial


@Harvey26 wrote:

@OmarGB9  Nope never scores all over 740. I have synch back account BR VISA 6K, Lowes 35K. All in good standing and zero balance.


All of this sounds a bit unusual  how many new revolving open accounts do you have in 6 and 12 months? - I am just curious.

... I know you said you are not to concerned about the app but sorry to head about the denial.  Other than 3 HPs I am wondering how sensitive Synch may have become to inquiries and new accounts.

Message 8 of 18
Harvey26
Valued Contributor

Re: AEO Credit Card Denial

@Credit4Growth  Decided to give them a call. I needed to do verification which is strange it never asked me to do it in the store. Approved for 2.5K AE VISA.

Amex ED: 7K, Delta Gold Amex: 7K Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 50K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K Target Store Card: 2K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K
Henrico Federal Credit Union Auto Loan: 32K @ 1.74
Message 9 of 18
AllZero
Mega Contributor

Re: AEO Credit Card Denial


@Harvey26 wrote:

@Credit4Growth  Decided to give them a call. I needed to do verification which is strange it never asked me to do it in the store. Approved for 2.5K AE VISA.


Congratulations on your approval!

Message 10 of 18
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