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Spree 4 out of 5

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Mm587
Regular Contributor

Spree 4 out of 5

After repairing my credit and getting my scores to aobut 705, I closed my applied bank secured card and my credit one bank card and went for some better cards....first i was approved for a jcp gecrb store card for 800.  then, taking the advice of some on this site, i apped for discover IT - approved for 5000...then i was itinially denied for chase freedom..i called for a recon and was approved for 1500...then i was denied for AMEX Blue.....then, lastly I apped for a citi simplicity and was approved for 1000...i called the eo and they upped it to 2000.  Now, here is the question....i received the denial letter today from AMEX...they pulled EX, which was my worst score at 683....i heard they dont really do recons....anybody think i have a chance to recon with AMEX?

 

thanks,

Message 1 of 13
12 REPLIES 12
One7
Valued Contributor

Re: Spree 4 out of 5

Congratulations on all your success! From what I see here on the forums Amex recons are pretty much impossible,  took me a year to finally get in with them, but after I did they took me in with open arms. Good luck and I hope it works out for you.

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 2 of 13
toi34
Established Contributor

Re: Spree 4 out of 5

A score of 683 should have been sufficient. What was the reason(s) they cited? Too many inq's, too many new tradelines, etc.???

Message 3 of 13
coldnmn
Mega Contributor

Re: Spree 4 out of 5

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 13
Closingracer99
Valued Contributor

Re: Spree 4 out of 5


@Mm587 wrote:

After repairing my credit and getting my scores to aobut 705, I closed my applied bank secured card and my credit one bank card and went for some better cards....first i was approved for a jcp gecrb store card for 800.  then, taking the advice of some on this site, i apped for discover IT - approved for 5000...then i was itinially denied for chase freedom..i called for a recon and was approved for 1500...then i was denied for AMEX Blue.....then, lastly I apped for a citi simplicity and was approved for 1000...i called the eo and they upped it to 2000.  Now, here is the question....i received the denial letter today from AMEX...they pulled EX, which was my worst score at 683....i heard they dont really do recons....anybody think i have a chance to recon with AMEX?

 

thanks,


It wouldn't hurt you to Recon though since they already HP you 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 5 of 13
alvon123
Super Contributor

Re: Spree 4 out of 5

congrats


Message 6 of 13
Anonymous
Not applicable

Re: Spree 4 out of 5

Congrats!
Message 7 of 13
MissMoni223
Senior Contributor

Re: Spree 4 out of 5

CONGRATS on your App Spree!  4 out of 5 is definitely not bad at all, way to go.  I don't have any experience with AMEX, but as previously stated doing a RECON won't hurt at this point.

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 8 of 13
hwnstyle21
Established Member

Re: Spree 4 out of 5

Congrats.

 

As for the Citi did you call EO before the card arrived or after?

Message 9 of 13
Mm587
Regular Contributor

Re: Spree 4 out of 5

i recond the citi card before it arrived.  About 5 minutes after i got the approval!

Message 10 of 13
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