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American Express Decision Timeframe

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rtw
Established Contributor
‎12-07-2012 07:09 AM
‎12-07-2012 07:09 AM

American Express Decision Timeframe

How long does it typically take AmEx to make a decision? I applied for a BCP on Sunday and the application is still stating "in progress".


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 1 of 7
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jsickz32
Valued Contributor
‎12-07-2012 07:15 AM
‎12-07-2012 07:15 AM

Re: American Express Decision Timeframe

When i applied for SPG the took 6 days to denied me lol
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)
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lionsfan20
Regular Contributor
‎12-07-2012 07:26 AM
‎12-07-2012 07:26 AM

Re: American Express Decision Timeframe

Mine took a while and then was approved for 15k..so be patient

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nicholasyud
Valued Contributor
‎12-07-2012 07:31 AM
‎12-07-2012 07:31 AM

Re: American Express Decision Timeframe

Call them . They might need to verify some info.

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 4 of 7
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SwiftTone
Valued Contributor
‎12-07-2012 07:38 AM
‎12-07-2012 07:38 AM

Re: American Express Decision Timeframe

@lionsfan20 wrote:

Mine took a while and then was approved for 15k..so be patient

When I applied, it initially gave me the "7-10  days" message. I checked the app status site literally a minute later and it had approved me. I'd consider this an instant approval.

Then I called right away to get my CL which was $5400, my highest at the time was $4250

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 5 of 7
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Epcot
Valued Contributor
‎12-07-2012 08:00 AM
‎12-07-2012 08:00 AM

Re: American Express Decision Timeframe

I would definitely call in and see if they need any more info to approve the application.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 6 of 7
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rtw
Established Contributor
‎12-07-2012 08:53 AM
‎12-07-2012 08:53 AM

Re: American Express Decision Timeframe

Thanks folks! I may just call in.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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