AMEX

[Anonymous]

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haulingthescoreup wrote:

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TULO30 wrote:

Maybe 30 and 60 day lates are okay....I really think that the 120 day late from Chase is the reason I was denied from AMEX...

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Yes, I have one of those gems too, and it's younger than yours. (It goes over two years next March.) Which particular card did you apply for?

I was hoping not to have to do the product change dance, but I guess if they'd take the bad late on one of the easier cards, I could try to back-door in that way.

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I don't think the old switch-a-roo is so bad.  My girlfriend and I app'd at about the same time, with similiar scores.  The only difference is the credit lenght with mine being longer by a few years.  She went straight for the Blue and I went for the Delta.  She got a $2800 CL and I got $13800 CL.  I bet if I went for the Blue I wouldn't have got that limit, but the old switch-a-roo worked for me and know we have the same card.  Just my opinion.

[SpecFile]

Congrats MV!

[haulingthescoreup]

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@Anonymous wrote:

I don't think the old switch-a-roo is so bad. My girlfriend and I app'd at about the same time, with similiar scores. The only difference is the credit lenght with mine being longer by a few years. She went straight for the Blue and I went for the Delta. She got a $2800 CL and I got $13800 CL. I bet if I went for the Blue I wouldn't have got that limit, but the old switch-a-roo worked for me and know we have the same card. Just my opinion.

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Thanks! worth pondering.

[TULO30]

Short answer - I applied for the AMEX Green and Blue.  I am not officially denied yet.  It is a long story...

I applied for the AMEX Blue and was denied. The reasons given on my denial letter were absolutely made up!  I know that sounds weird but it is the truth.  AMEX pulled Experian to make their decision.

I called Experian and they agreed that the reasons AMEX gave me for the denial were not reflected on my credit report.

So, I immediately called AMEX rep who told me I was denied AMEX blue because of the lates I had with a Chase account in 2003 (the late was 120 days).

Now, keep in mind I have many credit cards - Discover, Visa, MC, and my scores are in the 700s...so this was all very puzzling to me.

The AMEX Rep told me I should apply for the Green card because it is easier to get than the blue card. I applied for the green card and received a denial with the exact same reason given that was listed on the denial letter I received when I applied for AMEX blue.

I called AMEX Rep again who admitted to not understanding why I was denied! I thought great...this is just stupid.  So now I am awaiting their final decision on my app....

All that being said, you may have better luck. I have seen man posters here approved with even recent lates...

[MidnightVoice]

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TULO30 wrote:

All that being said, you may have better luck. I have seen man posters here approved with even recent lates...

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My scores were lower than yours, but I got the Blue with the only late being a 6.75 year +6 days old collection

[haulingthescoreup]

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@TULO30 wrote:

Short answer - I applied for the AMEX Green and Blue. I am not officially denied yet.

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Thanks! got my fingers crossed for you.

[TULO30]

Absolutely unbeliveable!  You were approved with a recent (6 days old) COLLECTION on your report?  Wow.  I have absolutely no collection, and no lates since 2003 and I was denied? I can't make sense out of any of this.  Oh well...

[Anonymous]

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TULO30 wrote:

Absolutely unbeliveable!  You were approved with a recent (6 days old) COLLECTION on your report?  Wow.  I have absolutely no collection, and no lates since 2003 and I was denied? I can't make sense out of any of this.  Oh well...

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I think he meant his colloection was almost 7 years old.  6.75 years PLUS 6 days

[MidnightVoice]

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TULO30 wrote:

Absolutely unbeliveable!  You were approved with a recent (6 days old) COLLECTION on your report?  Wow.  I have absolutely no collection, and no lates since 2003 and I was denied? I can't make sense out of any of this.  Oh well...

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"6.75 years+ 6 days" - falls off on March 18th 2008.  Sorry for the confusion 

[Anonymous]

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TULO30 wrote:

Absolutely unbeliveable!  You were approved with a recent (6 days old) COLLECTION on your report?  Wow.  I have absolutely no collection, and no lates since 2003 and I was denied? I can't make sense out of any of this.  Oh well...

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I read MV's post to mean he had only one collection, and it was 6.75 years and 6 days old.

His other posts have referred to that collection before.  I know he's counting the days.