Amex crap denial

[Anonymous]

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@Creditplz wrote:
Card was SPG (I fell for the current bonus), my income is 203K, CL that I just received have not reported cause 1 is business Marriott Visa and the other is Ritz..

I will SD the platinum card and cancel it when before the AF hits in July. Don't use it much anymore anyways... I don't fly much so I suppose they're right but I don't see as a basis for denial their loss I suppose

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Interesting, I've not heard of them being INQ sensitive.

Try squeeze out some points before actually closing plat though. There are DPs of 30K or even 50K MRs

[Creditplz]

Same... occasionally hotel stays, but airline it's been a while, only once in the last 12 months

[trant3]

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@Creditplz wrote:

American Express always gives me some beyond dumb reason to deny me....

This time it was "our scoring of your credit" 771 EX Fico8 is what they pulled... on bottom of that states the reason as "our analysis of the credit risk associated with customers who, in our estimation spend low dollar amounts for airline travel"

LOL, back to the garden... thanks chase for 59k between 2 cards !

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With your income, score and profile, all indication points to an approval. This is a weird denial

[Creditplz]

the denial reason is baffling to me, doubt I'd find myself buying more airline tickets to please Amex 😂

[Anonymous]

It appears to me that Amex is fibbing about what they use to consider applications. You see, I don't think they're using FICO or VS or any such thing. Instead, they're doing it the way priests in the great civilizations of antiquity did when they wished to consult the auguries; they slaughter a sheep, open it up and examine the entrails closely to determine whether the omens for your application are good or bad. And they get roast lamb out of it, to boot.

[Anonymous]

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@Anonymous wrote:

It appears to me that Amex is fibbing about what they use to consider applications. You see, I don't think they're using FICO or VS or any such thing. Instead, they're doing it the way priests in the great civilizations of antiquity did when they wished to consult the auguries; they slaughter a sheep, open it up and examine the entrails closely to determine whether the omens for your application are good or bad. And they get roast lamb out of it, to boot.

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Lol.... 

[NRB525]

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@Creditplz wrote:
Card was SPG (I fell for the current bonus), my income is 203K, CL that I just received have not reported cause 1 is business Marriott Visa and the other is Ritz..

I will SD the platinum card and cancel it when before the AF hits in July. Don't use it much anymore anyways... I don't fly much so I suppose they're right but I don't see as a basis for denial their loss I suppose

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waaaat?

You apply for a hotel card and they measure your airline ticket purchases?

That is brilliant! not.

[Creditplz]

Nothing like Amex 😂

[Turbobuick]

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@Creditplz wrote:
Same... occasionally hotel stays, but airline it's been a while, only once in the last 12 months

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How do they know you don't fly every day? They have no way of knowing whether you fly frequently or not at all unless it was on the app...  then your bad.  

[Bman70]

771 is a great score.. I'm actually not sure how it can be that high with over 50 inquiries still showing. It's interesting that even though FICO scoring gives little weight to inquiries, Amex probably gives it a lot more weight internally. I guess it shows we can't always go off of FICO alone. I'd still recon though, with that income.