Thank you all for the input. I really don't need the card as I'm 8 months into my 1st job out of college. But, I like the potential to 3xCLI down the road. I guess its off to the garden until my BOA graduates in December ...we'll see where that leaves me.
TU FICO: 723 (6/24/13)
Letter will come in 7-10 days they said. Im going to call tmrw for an explanation.
@baseball1313 wrote:Well I recieved my first ever non approval today. What an awful feeling, but I should have known better after 2 recent hard pulls.Two weeks ago I was approved for the AMEX Green, and then for the Discover IT ($6,500 CL) a few days later. I've also had a BOA secured since Dec. 2012. But I couldn't help but pull the trigger on the AMEX BCE. I got an instant non approval. I'm hoping they used a soft pull since I'm an existing cardmember. I guess I'll wait 6 months and show good payment history on the Green b4 app'n again. Any thoughts?
Just like in a casino, the longer you stay, the more bored lady luck gets.
Here's the latest update..
Talked with AMEX this morning and they went over the list of reasons why I wasnt approved. They said my Experian FICO was too low. (690) They said my Green Card was opened too recently and I dont have any payment history built on it. They said I have a derog remark on my report and my accounts arent old enough. Also I have a LOT of student loans (The Dept. of Ed) with a high balance.
I won't be applying for that card for a while it looks like.
Oh yea... It wasnt a soft pull either. It was a hard pull both for the Green approval and BCE denial.