732 fico score denied by amex

[Anonymous]

So I got denied by a ex blue sky with 732 fico score from experian. At least that's what they pulled. Anyone has a Backdoor number for me to call to ask for reconsideration. I have short credit history for the reason on denial. Just recently got discover,2capital one,target and credit one. Any advice would help a lot.

[Anonymous]

Call the "New Accounts Dept"

1-866-314-0237

They are not open on Sat-Sun, call them Mon-Fri.

Best of Luck!

EDIT: They may be open Saturdays, I can't remember, I know the "New Accounts Dept" is not open Sundays tho.

[minimock]

Welcome to the were not AMEX worthy club lol

I'm sure your just more good business that AMEX is missing out on. So hold your head high and go score CITI card or the like.

[-Cain-]

How recent are the five cards you just opened? Was short history the only reason listed?

[trumpet-205]

High credit score does not mean 100% approval rate. In fact AMEX uses their own scoring model, even though they provide you your FICO score.

I imagine your AAoA is low, considering you recently opened five cards.

[addicted_to_credit]

I have to agree with trumpet, I was denied with a 750 FICO according to Amex a few days ago......because I have too many inqs in last 6 months, I did read some where that FICO scores account for about 20%

[flyingmd]

You may want to try for the Zync card by Amex. It's a charge card not credit card, so it has to be paid in full each month. AMEX charge cards are in general easier to qualify for than their credit cards and the Zync card is geared to people with newer credit histories and young adults leaving college. Wi 723 and mo baffles, you might have a shot even though they denied the credit card. It has been my impression and the general consensus of this board that AMEX doesn't like ally of recent inquiries. So if you get declined for the Zync, I would hold off applying for anything for 6-12 months and then reapply. I would think you would have a good shot for any of their products at that point. Good luck. If you apply for the Zync let us know how it goes.

[Anonymous]

I was declined an AmEx Clear about 2 months ago with an EX Fico of 780, AAoA 6 yrs, 3 inq's 1% util.

Reson was "Acct too new"

3/11 I apped for the Blue Cash and was instant approved 2000CL now 6000CL (this was the reason for decline, they wanted to see more history with this acct first)

5/11 I apped for the PR Gold and was instant approved, both cards have been backdated to 91,  the PR Gold actually just reported on EQ and EX, bumped my EQ Fico from 774 to 783 (9 points up) I will check my TU Fico sometime this week (TU seems to be the slowest to report, at least in my case) my Tu is 790 now, if my TU does the same I'm looking at a 799, but I'm hoping for at least an 800 LOL!!!!

Anyway, sorry about that, I got off track a bit (or a lot) lol, I actually intended to say, even with a very high EX fico (760 and above) you (I) can be declined, IMO your EX Fico in AmEx's eyes is just a number (they have their own internal scoring model) and its a crapshoot as to weather you will score good with them or not, so don't be suprised at a decline with a EX 732 Fico, AmEx is a strange beast, but once you are in with them, you're golden.

I'd call for a recon, but if you have 5 recent inq's and 5 brand new TL's listing on your CR's, AmEx might be a tough catch for you right now, they may wan't to wait to see some history before they'll extend you credit. If they don't approve this after recon, I'd suggest apping for one of their Charge Cards, I believe they are easier to obtain than an AmEx revolver (wait at least 30 days after the recon is completed, if they do one) then app for a Charge Card if you're really after an AmEx Card.

I personally would wait more like 6 months before trying with AmEx again, thats just my opinion.

Wishing you the Best of Luck!

[Anonymous]

Citi will reject you just as fast as AMEX. I speak from personal experience and my scores were a lot higher.