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AMEX Re-application

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Anonymous
Not applicable

AMEX Re-application

I've been recently denied for the AMEX BCE and so I called the backdoor number twice to get the reason why I was denied.

 

The first CR told me she couldn't say it over the phone but that I could apply for the ZYNC card after 24 hours. The second CR told me that I could apply for the ZYNC card after 90 days from my original application. [But told me why I was denied, kudos for that Smiley Very Happy]

 

Who is right here? Should I wait 90 days or try my luck sooner with the ZYNC card? 

Message 1 of 7
6 REPLIES 6
CruzImperial
Established Contributor

Re: AMEX Re-application

Interesting set of responses. I tought one must wait 30 days?

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 2 of 7
wreith
Frequent Contributor

Re: AMEX Re-application

If I recall correctly, and I couldn't find the answer for sure using the search function, you need to wait 30 days after a denial.  If you try to app before then it's automatically kicked back no pull.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 3 of 7
trumpet-205
Valued Contributor

Re: AMEX Re-application


@Anonymous wrote:

I've been recently denied for the AMEX BCE and so I called the backdoor number twice to get the reason why I was denied.

 

The first CR told me she couldn't say it over the phone but that I could apply for the ZYNC card after 24 hours. The second CR told me that I could apply for the ZYNC card after 90 days from my original application. [But told me why I was denied, kudos for that Smiley Very Happy]

 

Who is right here? Should I wait 90 days or try my luck sooner with the ZYNC card? 


You wait for 30 days before applying. Both CSR apparently sleep on the job.

Message 4 of 7
SanjeevR
Regular Contributor

Re: AMEX Re-application


@CruzImperial wrote:

Interesting set of responses. I tought one must wait 30 days?


+1

30 days is correct. System will auto-decline if app is submitted before then.
Starting scores: Around 630 (Sep 2011)
Current FICO scores: TU ‘08 792 (Walmart) • EQ 765 • EX 771 (Amex)
Prime cards: JP Morgan Select (30K) • HHonors Reserve (30K) • Chase United MileagePlus Explorer (20K) • Chase Sapphire Preferred (20K) • Amex Hilton Honors Surpass (20K) • Amex BCP (20K) • Barclay Ring (20K) • Citi Thank You Premier MC/Visa (16K Combined) • Discover Escape (10K) • Amex SPG (5K) • Amex Premier Rewards Gold • US Bank Cash+ (5K+???)
Message 5 of 7
Anonymous
Not applicable

Re: AMEX Re-application

Thanks for the information!

 

Hopefully by the end of the year I'll be able to hold a Zync card in my wallet Smiley Frustrated

Message 6 of 7
jsickz32
Valued Contributor

Re: AMEX Re-application

Just apply after 30 days again. Im waiting until the 8th to re-apply for the SPG i was denied for!!
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 7 of 7
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