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Please Help!

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newbiewife
Regular Contributor

Please Help!

I app for second amex bce, I got my 1st amex TE my status said still in process, and its 1big HP on my CR, now im concern because im not sure if im going to get approve, got aHP that is sad! Another concern is im going to have CLI soon on my TE is that gonna be affected because if my BCE though I dont know if im going to get approve????


*sorry for some typos@
Heart trying to reach 800! Heart
Gardening till 12/14 Smiley Tongue
Message 1 of 15
14 REPLIES 14
JonStur
Established Contributor

Re: Please Help!

Try giving them a call. GENERALLY when you get an "in process" and not an outright denial, it's because they need more info about something...


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 2 of 15
Burned2manybridgesB4
Valued Contributor

Re: Please Help!

If you get two, you're probably good. Three means borderline.

Message 3 of 15
newbiewife
Regular Contributor

Re: Please Help!

I was approved instant on my TE. But the BCE sheeeessssshhh still in process. Now im so concerned. That one HP from bce cause me 10 points drop on my CR. do u know if my CLI is gonna be affected by this?

Heart trying to reach 800! Heart
Gardening till 12/14 Smiley Tongue
Message 4 of 15
Burned2manybridgesB4
Valued Contributor

Re: Please Help!

Lenders don't just take score into their reviews.

How you use/maintain your accounts, balances, and age of accounts is more important.

Message 5 of 15
09Lexie
Moderator Emerita

Re: Please Help!

Message 6 of 15
myjourney
Super Contributor

Re: Please Help!

Sounds like an approval since your already a customer and were HP'ed

Time to make the call 

good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 15
newbiewife
Regular Contributor

Re: Please Help!

Yes I'm already a amex member lexie. I just got an itch to app last night and this where I end up still in process. Then I check my exp report its already a one big HP.
Heart trying to reach 800! Heart
Gardening till 12/14 Smiley Tongue
Message 8 of 15
newbiewife
Regular Contributor

Re: Please Help!

Myjourney,I did try to call them last night unfortunately sat. They only work till 4pm. Hmmmm.... so I cant do anything.
Heart trying to reach 800! Heart
Gardening till 12/14 Smiley Tongue
Message 9 of 15
myjourney
Super Contributor

Re: Please Help!


@newbiewife wrote:
Myjourney,I did try to call them last night unfortunately sat. They only work till 4pm. Hmmmm.... so I cant do anything.

Not sure if Amex works Sundays someone please chime in?

After this app is complete and I think you have been approved just my 2 cents tho fingers crossed

Straight to the garden 

Do not pass go 

Remain there for 6 months 

And finally NO NEW APPS Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 15
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