App Spree luck runs out

baseball1313 · ‎06-02-2013

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?

My Wallet- , AMEX Green (npsl), DiscoverIT- $8,500. Home Depot CC (Citi) $4,000. Care Credit CC- $12,800. BankAmericard - $900. Express(Comneity)- $550

TU FICO: 723 (6/24/13)
EQ FICO: 686(5/23/13)
EX FICO (AMEX PULL): 690(6/3/13)

mcf · ‎06-02-2013

Thats the plan i would use. If not even possibly wait a yr. Then you would be more likely to get a higher limit. I would imagine.

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge

mcf · ‎06-02-2013

OHH and Congrats on your recent spree success!!

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge

asphaltcowboy · ‎06-02-2013

Congrats on your recent approvals

Time to garden for awhile

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

Arago · ‎06-02-2013

In the case of Amex, I would say to wait at least a year, especially after being non approved. 2 pulls is not a lot. You should check out some credit unions like DCU for example. They are often much better to deal with than Amex, Discover, etc.

bluesnowman · ‎06-02-2013

Congrats! I have applied for the BCE like you have and I have yet to be approved. They don't like inquiries from what gets sent in my denial letter, and I think it is best if you take the advice of the above posters and wait 6 months or maybe a year. The BCE, BCP, and SPG are the hardest Amex revolvers to be approved for.

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300

madmann26 · ‎06-02-2013

Doesn't AMEX do an automatic denial for apps in the same 45 day period?

Call them and try to recon it.

Current Scores - 8/26/2025

FICO 9

EQ - 769

TU - 778

EXP - 762

Hooosier · ‎06-02-2013

@baseball1313 wrote:
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?

I believe if you are a current member and are denied they only use a soft pull.

LS2982 · ‎06-02-2013

CONGRATS in your recent approvals!!!

I would hit the Garden for a year then go for it!!!

EQ FICO 548 3/3/16

RSCo · ‎06-02-2013

@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?

I know how you feel.. Personally, when I get approved for 1 or 2 cards, I can't help myself and apply for even more.. Like an addiction.. Here's my recent spree AFTER I applied for the Amex TrueEarnings and got approved, I went nuts and applied for some more and got them too.. And then I app'd for some more stuff and finally got denied by BofA and PenFed - yet again.. Tried them back in Feb.. They don't like my 6yr 11mth foreclosure that still shows on my report.. The only negative.. Give amex a good 3 months to burn in and then app again with them.. Good luck..

05/15/13	Amex / CostcoTru - $5,000.00
05/20/13	Citi Aadvantage Visa Signature - $5,000.00
05/21/13	Visa Black Card / Barclays - $5,000.00
05/23/13	Citi / Home Depot - $7,000.00
05/29/13	Amex / Premier Rewards Gold - $NPSL

$30,500

$18,500

NPSL

$15,000

$10,000

$25,000

$32,000