I applied for the card on 03/31/21 but was instantly denied. Due to school and work, haven't had the time to call them until today. So the CSR reads me the things why they denied me as I couldn't access those reasons on the site. I asked him to send it to the UW team for recon if possible. Got a call 5 mins later from the same person, asking a couple verification questions and he's like "This must be your lucky day as you're Approved" and I was like heck yeah. So here's to hoping anyone else pondering the same if it's worth it to call, it certainly is.
FICO EXP: 645, 7 INQ (2 for Amex in 2020, 1 for Amex Gold denied and the other for Amex BCE denied) same darn score. 1 medical collection in the amt of $1500 from a few years ago.
My current cards are as follows:
Cap one QS: $500, opened 2018 as a platinum.
Cap one QS One: $1500 - 2019.
CFU: $4300 - 2019.
DS IT: $2200 - 2019.
Amazon Prime Chase: $3k - 2020.
CFF: $1k - 2020.
GS Apple: $1500 - 2021.
Amex Delta Gold: $2k - 2021.
Income - $80k (Rounded)
Congratulations on your Amex approval!