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Amex denial, approved after recon letter

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CreditBones
Regular Contributor

Amex denial, approved after recon letter

Last month (Oct 8), I app'd for NFCU SSL, Amex Cash Magnet, Disco it, and the Card (in that order, one right after the previous one). The Amex was the only one to be denied.

 

When I finally decided to submit a recon for the Amex, it was already a month later. But I said: "what the heck! What's the worse it can happen? For them to say it's too late, or that I need to resubmit an app, or that they would have to make another HP (to which I would just leave it as is)"...

 

"But, what are you (me) willing to invest? Time; composing a letter... money; $8.xx in an envelope, postage and a certified service? For the possibility of a win??? Let's do it!"

 

And I did it. I sent them a recon letter (Nov 8) debating each of the negatives, with snapshots of my  EX's cred report from Oct 1.

Fast forward to Nov 16, and I receive an email from Amex: "Good news - your application has been approved"!!! There was no info about what card, or SL, so I used the chat feature, and the friendly rep confirmed it!


The SL is $1k, but comming from a denial, $1k sounds sweet to me! Now I am in!!! Now that I'm in, I can make it grow with CLI from time to time! I am already researching the 3X CLI threads! LOL 

 

Super happy with the outcome of my mini spree! 4 apps, 4 approvals!

 

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AU:

Message 1 of 20
19 REPLIES 19
AllZero
Mega Contributor

Re: Amex denial, approved after recon letter

Congratulations on your approval!
Message 2 of 20
Red1Blue
Super Contributor

Re: Amex denial, approved after recon letter

Congrats. I am happy for your success.

Message 3 of 20
gdale6
Moderator Emeritus

Re: Amex denial, approved after recon letter

Grats on the successful recon Smiley Happy

Message 4 of 20
M_Smart007
Legendary Contributor

Re: Amex denial, approved after recon letter

Congratulations!

Message 5 of 20
CreditAggie
Community Leader
Super Contributor

Re: Amex denial, approved after recon letter

Congratulations on your Amex approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 20
heeseon
Frequent Contributor

Re: Amex denial, approved after recon letter

Congratulations

TU789 EQ786 EX791(05/23)
Message 7 of 20
Meanmchine
Super Contributor

Re: Amex denial, approved after recon letter

Congrats all around !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 20
Slabenstein
Valued Contributor

Re: Amex denial, approved after recon letter

Grtz on the successful recon! Smiley Very Happy


Message 9 of 20
dudefromtx
Established Contributor

Re: Amex denial, approved after recon letter

Congrats on your successful recon!

Message 10 of 20
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