AMEX "In Process" Status? Good or Bad?

shane82388 · ‎09-18-2013

Is a AMEX in process status a good or bad thing? I've never experienced this before. Its always been either an instant denial or approval...

Any feeling either way on this? ETA? Tips?

WillF360 · ‎09-18-2013

That's what mine showed too. I called the number right below that box, and then they came back on after verifying some information and approved me. Expedited the card, I should have it tomorrow! Good luck!

In the Garden since 9/15/13... Goal Date 4/15/14 (WISH ME LUCK)
Closed on First Home 9/13/2013: USDA RURAL HOUSING
Lender Pull 7/25- EQ 673, EX 693, TU 670
Credit Card Approvals: 9/15- Discover It $4500; Chase Freedom $3500; Amex Blue $5000
Goal Score: 720 | Starting Scores (2/12): EQ 493, EX 521, TU 463

Pat94108 · ‎09-18-2013

You should call them to accelerate the proccess. I recently applied for an AMEX and just like you got the In Progress notification, which surprised me as well. Upon calling them, the rep asked me the last 4 digits of my SSN and my DOB and I was approved right there and then. The In Progress notification often means that they need to verifiy certain pieces of information so I'd say it' snot a bad thing. Someone else can chime in though.

shane82388 · ‎09-18-2013

@WillF360 wrote:
That's what mine showed too. I called the number right below that box, and then they came back on after verifying some information and approved me. Expedited the card, I should have it tomorrow! Good luck!

What kind of info did they ask? I want to be prepared. :-)

WillF360 · ‎09-18-2013

They asked me for my last 4 of social, date of birth, and prior address. We just closed on our first house, and I had an updated address on the application. I have a fraud statement on my reports due to an older fraudulent account, so they said it was necessary to verify that it was me, and my new address.

She came back on and welcomed me to the AMEX family. Very quick, painless. Good luck!

In the Garden since 9/15/13... Goal Date 4/15/14 (WISH ME LUCK)
Closed on First Home 9/13/2013: USDA RURAL HOUSING
Lender Pull 7/25- EQ 673, EX 693, TU 670
Credit Card Approvals: 9/15- Discover It $4500; Chase Freedom $3500; Amex Blue $5000
Goal Score: 720 | Starting Scores (2/12): EQ 493, EX 521, TU 463

TheConductor · ‎09-18-2013

@Pat94108 wrote:
You should call them to accelerate the proccess. I recently applied for an AMEX and just like you got the In Progress notification, which surprised me as well. Upon calling them, the rep asked me the last 4 digits of my SSN and my DOB and I was approved right there and then. The In Progress notification often means that they need to verifiy certain pieces of information so I'd say it' snot a bad thing. Someone else can chime in though.

Agree 100%. I called immediately after my Zync app got In Progress, and it turned out all they needed was to verify my address and employer. Took all of 5 minutes to get to "Congratulations! You are approved"

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: ~~Prosper $25k/36mo~~, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),

shane82388 · ‎09-18-2013

So just calling the number below the pending status bar is the best number to call?

WillF360 · ‎09-18-2013

Yep, that's what number I called. They may ask for your reference number as well. if not, they can look you up by social.

In the Garden since 9/15/13... Goal Date 4/15/14 (WISH ME LUCK)
Closed on First Home 9/13/2013: USDA RURAL HOUSING
Lender Pull 7/25- EQ 673, EX 693, TU 670
Credit Card Approvals: 9/15- Discover It $4500; Chase Freedom $3500; Amex Blue $5000
Goal Score: 720 | Starting Scores (2/12): EQ 493, EX 521, TU 463

Anonymous · ‎09-18-2013

Good luck!

By the way..., did you go through card match? And, any reason you didn't wait until Jan?

shane82388 · ‎09-18-2013

@Anonymous wrote:
Good luck!

By the way..., did you go through card match? And, any reason you didn't wait until Jan?

It owuldnt really matter by waiting until january since i already have a Green AMEX from 2011? wouldnt that be my oldest member date and this new card would be backdated to then?

Also, i dont really understand the reasoning for waiting until january...? I figured it out before, but have forgot lol. Seems counter intuitive to wait longer to get more history....