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Amazon... Instant Denied

tag
Creditaddict
Legendary Contributor

Amazon... Instant Denied

I know I know, Some of you can go ahead and say I told you or just shake back and forth in silence!! lol

 

I could scream though with the reasons of WHY I can't speak to underwriting... I miss dealing with GE Business backed cards, you could be in underwriting in 2 minutes and they would review things with you and increase BIG lines in seconds... GE personal is like sorry computer has decisioned that and I would not overturn it and you can't speak to underwriting. I was like I have with Dillards Amex and she quickly snipped back that was after you are approved... you can speak to them after approved but not before!!! Yes you read that right!

 

Message 1 of 19
18 REPLIES 18
mAndrew1980
Established Contributor

Re: Amazon... Instant Denied

You really are a creditaddict! Haha so am I. It's contagious! Well, whats done is done. Can you try to recon?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 2 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied

Wow. Nice story. And, I think that everybody is a credit addict. I know that I am. LOL. 

Message 3 of 19
bichonmom
Senior Contributor

Re: Amazon... Instant Denied

GEMB doesn't seem to do recons. I tried w/my recent Walmart to get a CLI and didn't get it. Their reason on the letter: "not enough time with current credit line." No kidding. I just got approved today! (tried for CLI/recon same day as approval.) They do seem quirky. Give it 6 months and try again in the summer. Smiley Happy

 

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 4 of 19
LS2982
Mega Contributor

Re: Amazon... Instant Denied

This post is reason enough for me NOT to apply! Was thinking about it all day Smiley Very Happy

 

TU FICO score power dinged me bigtime for AAoA / short credit history.




EQ FICO 548 3/3/16
Message 5 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied

amazon blew me off too, i wanted the extra 40 bucks off on a tomtom monday, nope, so sorry to b uSmiley Mad

Message 6 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied


@Creditaddict wrote:

I know I know, Some of you can go ahead and say I told you or just shake back and forth in silence!! lol

 

I could scream though with the reasons of WHY I can't speak to underwriting... I miss dealing with GE Business backed cards, you could be in underwriting in 2 minutes and they would review things with you and increase BIG lines in seconds... GE personal is like sorry computer has decisioned that and I would not overturn it and you can't speak to underwriting. I was like I have with Dillards Amex and she quickly snipped back that was after you are approved... you can speak to them after approved but not before!!! Yes you read that right!

 


Not all CSR's are like AmEx and Discover's CSR's Smiley Sad

 

Sorry for your decline, Maybe call again and you'll get a CSR that cares???

 

Best of Luck!

Message 7 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied

Why Amazon and not Citi Forward?

Message 8 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied

Well, you get $30 off your first order.

Message 9 of 19
Anonymous
Not applicable

Re: Amazon... Instant Denied


@Anonymous wrote:

Well, you get $30 off your first order.



Citi Forward has signup bonuses worth between $54 and $85.

 

http://www.citiforward.com

Message 10 of 19
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