Amex :-/...

[smc733]

Application CANCELLED AGAIN!!!!!

You'll recieve a form in the mail to fill out!  I'm sick of this, people with FICO scores much lower than mine are getting both Blue and especially Zync.  Why do they hate me?

Either way, 

Discover Student Card it is...

[Anonymous]

IIRC, you applied for the blue right? Maybe if you applied for Zync you would have been approved. Anyways, sorry to hear the bad news. =/

[smc733]

Hard to say, they did the same thing twice when I tried for Zync, I think they hate me.  Perhaps the fact that my employer is in a different state than my home?

[smc733]

Requesting 4506t, again.  Got so frustrated I hung up without talking to the rep.

Will go for Discover instead.  Then perhaps chase.  I have no room in my wallet for a card, that someone on the boards has said, "suffers from PMS".

[Watchmann]

AMEX does not just rely on FICO score, they have their own underwriting standards.  It would seem there is something in your background that troubles them and trips you up.  Any ideas what that might be?   Many people live in a state different from where they work, don't think that is an issue.

[smc733]

The only thing I can think of is the employer/state issue.  My student loan balances are nothing abnormal, I do have a few inquiries, but most over 6 months.

[ArisGreek]

AMEX just has PMS...I can't even get a measly $400 CLI from them and I have phenomenal credit and a good salary. Just baffles me.

[Anonymous]

When you say your account is cancelled, do you mean denied?

sorry I'm a bit slow

[smc733]

When they say cancelled, it means they have to "verify info for further processing".

Generally, approved, but (insert middle finger here).  My problem is this is my first year with income!  They've gotten 5 inquiries off of me, that's it, they're done.

[Anonymous]

Aren't you a full time college student? Stop worrying about credit. Go out on dates. Go watch your school's team play hoops...something

You said your making 15k year and then going around stating 150k HHI (which I really hope your not putting on applications) and your wondering why Amex is asking for forms? You have 36k of installement debt plus at least 3 revovling credit lines and your making 15k income per year and don't understand why your not getting prime cards with the highlest limits? 15k doesn't even cover the bare minimum yearly income for some credit cards.  Honestly, I found Discover to be a lot more picky on new apps than Amex. Good luck with that.