Amex gold ** Update Approved

[Anonymous]

Hi guys,

I'm interested in getting the Amex gold card, so I applied a few days ago and got declined for having a current balance in relation to my credit limit that was too high. My current balance was high a few days prior to applying but I did pay it off two days before applying. I called to recon and the rep told me that it may result in a hard inquiry so I opted out. I'm already an amex member (amex delta gold), before i applied for the gold it said "expanding your membership...". I checked today and it said I was pre-approved, so I applied again but my application was cancelled. Has anyone had a similar situation? Should I just wait a month or two and apply again?

My data points: FICO EX: 733

AAoA: 6 months AoOA: 9 months

3 revolvers

4 inquiries on EX (the two apps were SPs)

Thanks!

[Anonymous]

If you double app for a particular product say within 30-90 days it will cancel the app since the other one hasn't expired.  Just hit them up and haave them reconsider it.  With the payment and lower balance it should be an easy approval.  Most of the time the HP is just a disclosure that they have to say and you don't actually get a HP in the review process.

[Anonymous]

Just called and they approved it!

Thanks a lot!!

[CreditInspired]

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@Anonymous wrote:

Just called and they approved it!

Thanks a lot!!

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Congratulations. 

[Anonymous]

Congrats!!!

Enjoy your perks 

[FicoGuy2019]

Congrats!  Just got mine in the mail yesterday.

[pinkandgrey]

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@Anonymous wrote:

Just called and they approved it!

Thanks a lot!!

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Congrats! Great charge card

[drboxing]

Was very good advice

[drboxing]

Congratulations

[Anonymous]

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@Anonymous wrote:

Just called and they approved it!

Thanks a lot!!

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Woohoo, congrats! Enjoy it. Reconning to an approval is such an amazing feeling