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!
Congratulations on your Amex approval!
Congrats all around !