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Amex denial, approved after recon letter

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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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Message 1 of 20
19 REPLIES 19
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Super Contributor

Re: Amex denial, approved after recon letter

Congratulations on your approval!
Message 2 of 20
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Super Contributor

Re: Amex denial, approved after recon letter

Congrats. I am happy for your success.

Gardening since 08/2020
Message 3 of 20
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Moderator

Re: Amex denial, approved after recon letter

Grats on the successful recon Smiley Happy

Message 4 of 20
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Epic Contributor

Re: Amex denial, approved after recon letter

Congratulations!

popcorn eating emoticon.gif

Message 5 of 20
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Valued Contributor

Re: Amex denial, approved after recon letter

Congratulations on your Amex approval!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 6 of 20
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Regular Contributor

Re: Amex denial, approved after recon letter

Congratulations

TU806 EQ798 EX793 (12/20)
Message 7 of 20
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Super Contributor

Re: Amex denial, approved after recon letter

Congrats all around !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 824 EQ 840
A dragon lives forever but not so little boys
Painted wings and giant rings make way for other toys
One grey night it happened, Jackie Paper came no more
And puff that mighty dragon, he ceased his fearless roar

Peter, Paul and Mary
Puff The Magic Dragon Jan 1st, 1963
Message 8 of 20
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Established Contributor

Re: Amex denial, approved after recon letter

Grtz on the successful recon! Smiley Very Happy


Message 9 of 20
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New Contributor

Re: Amex denial, approved after recon letter

Congrats on your successful recon!

Message 10 of 20
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