@Amexit wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
You should give us some more info about you
There is a lot of people here who can help you and maybe see if you have a chance or not... If you don't mind sharing
The thing is.. they've shared it and a lot of people have weighed in. lol They are nervous, and I can understand that.
@KennyRS wrote:
@Amexit wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
You should give us some more info about you
There is a lot of people here who can help you and maybe see if you have a chance or not... If you don't mind sharing
The thing is.. they've shared it and a lot of people have weighed in. lol They are nervous, and I can understand that.
the Thing is My scores were probably around the mid 600's at the time when i applied for my BCE card and i would imagine the everyday card would be on par with the BCE. I had a lot of inquries on my Experian report like around mid 20's with a lot of them around 2011 or 2012 ish at the time. IDK maybe I just got lucky and got an Amex card since I was really looking to get one since Costco only accepts Amex cards for Credit
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
One thing to remember...AMEX pulls Experian. When I initially applied, I was declined. I knew the reason.
In 09 I had a student loan through Dep of Edu. All payments were good, showing green "OK"'s for the life of the loan...until I paid it off in Feb of 09. On my reports I got in March of 09, it showed as a paid collection on all 3. Disputed with all 3 CRA's. EQ & TU clearly saw the string of OK's & the next month baddie. (any idiot knows you cannot go from ok to a paid collection in 1 month). Anywho, EX refused to remove, Dep of Edu refused to budge & I finally told them both to "go there".
FFW to my AMEX app...I called the # for a recon & explained my situation. The rep told me I'd be a great candidate for their Media Review Team. He gave me the Fax # & I wrote a brief explanation of what happened. Sent copies of all 3 Feb reports I'd had & all 3 March reports showing the sudden nasty status. They fully understood that an account cannot go from "pays as agreed" to a collection status within 1 month.
Approved with a 10k limit. Had to resend docs when I asked for an increase. Asked for 20k & they countered at 18.
If you do get denied, call their general csr # & explain why you feel you should be approved & ask that you can please submnit to their media review team. It will be looked over by real, breathing people! With common sense!!! 
@Lebronjames20 wrote:
19 years old college student ? 24k a year discover card with 500 limit pay in full all the time , 734 score be October of last year is when I got my discover
Sounds like to me you will get an approval, the limit may not be high but once you get in with amex you can do the 3x CLI that everyones speaks of and you will be in
@BungalowMo wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
One thing to remember...AMEX pulls Experian. When I initially applied, I was declined. I knew the reason.
In 09 I had a student loan through Dep of Edu. All payments were good, showing green "OK"'s for the life of the loan...until I paid it off in Feb of 09. On my reports I got in March of 09, it showed as a paid collection on all 3. Disputed with all 3 CRA's. EQ & TU clearly saw the string of OK's & the next month baddie. (any idiot knows you cannot go from ok to a paid collection in 1 month). Anywho, EX refused to remove, Dep of Edu refused to budge & I finally told them both to "go there".
FFW to my AMEX app...I called the # for a recon & explained my situation. The rep told me I'd be a great candidate for their Media Review Team. He gave me the Fax # & I wrote a brief explanation of what happened. Sent copies of all 3 Feb reports I'd had & all 3 March reports showing the sudden nasty status. They fully understood that an account cannot go from "pays as agreed" to a collection status within 1 month.
Approved with a 10k limit. Had to resend docs when I asked for an increase. Asked for 20k & they countered at 18.
If you do get denied, call their general csr # & explain why you feel you should be approved & ask that you can please submnit to their media review team. It will be looked over by real, breathing people! With common sense!!!
ditto on that denial part
I feel that apping or doing anything over the phone (especially with Amex) is the best way to go
awesome!!! congrats on your approval!
@Amexit wrote:
@BungalowMo wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
One thing to remember...AMEX pulls Experian. When I initially applied, I was declined. I knew the reason.
In 09 I had a student loan through Dep of Edu. All payments were good, showing green "OK"'s for the life of the loan...until I paid it off in Feb of 09. On my reports I got in March of 09, it showed as a paid collection on all 3. Disputed with all 3 CRA's. EQ & TU clearly saw the string of OK's & the next month baddie. (any idiot knows you cannot go from ok to a paid collection in 1 month). Anywho, EX refused to remove, Dep of Edu refused to budge & I finally told them both to "go there".
FFW to my AMEX app...I called the # for a recon & explained my situation. The rep told me I'd be a great candidate for their Media Review Team. He gave me the Fax # & I wrote a brief explanation of what happened. Sent copies of all 3 Feb reports I'd had & all 3 March reports showing the sudden nasty status. They fully understood that an account cannot go from "pays as agreed" to a collection status within 1 month.
Approved with a 10k limit. Had to resend docs when I asked for an increase. Asked for 20k & they countered at 18.
If you do get denied, call their general csr # & explain why you feel you should be approved & ask that you can please submnit to their media review team. It will be looked over by real, breathing people! With common sense!!!
ditto on that denial part
I feel that apping or doing anything over the phone (especially with Amex) is the best way to go
awesome!!! congrats on your approval!
Thanks!!! Believe me, after what I went through with the bozo from Dep of Ed (told me he can report whatever he wants & I cannot do a thing), and EX behaving the same way, I just gave up on apping with anyone who pulled EX exclusively...until I wanted AMEX!
**On a side note....my Uniden cordless phone was an amazing piece of engineering. Took a hit across 30+ feet of hardwood floor, sliding at approx 60 mph, until the abrupt stop running into my 100 yo 1.5" thick baseboards. Battery door flew off...battery flew out. Put back together & still had a dial tone. <--This was immediately after conversation with dirtbag at DoE!
Highly recommended for calls to scumbag creditors who are wrong! 
@BungalowMo wrote:
@Amexit wrote:
@BungalowMo wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
One thing to remember...AMEX pulls Experian. When I initially applied, I was declined. I knew the reason.
In 09 I had a student loan through Dep of Edu. All payments were good, showing green "OK"'s for the life of the loan...until I paid it off in Feb of 09. On my reports I got in March of 09, it showed as a paid collection on all 3. Disputed with all 3 CRA's. EQ & TU clearly saw the string of OK's & the next month baddie. (any idiot knows you cannot go from ok to a paid collection in 1 month). Anywho, EX refused to remove, Dep of Edu refused to budge & I finally told them both to "go there".
FFW to my AMEX app...I called the # for a recon & explained my situation. The rep told me I'd be a great candidate for their Media Review Team. He gave me the Fax # & I wrote a brief explanation of what happened. Sent copies of all 3 Feb reports I'd had & all 3 March reports showing the sudden nasty status. They fully understood that an account cannot go from "pays as agreed" to a collection status within 1 month.
Approved with a 10k limit. Had to resend docs when I asked for an increase. Asked for 20k & they countered at 18.
If you do get denied, call their general csr # & explain why you feel you should be approved & ask that you can please submnit to their media review team. It will be looked over by real, breathing people! With common sense!!!
ditto on that denial part
I feel that apping or doing anything over the phone (especially with Amex) is the best way to go
awesome!!! congrats on your approval!
Thanks!!! Believe me, after what I went through with the bozo from Dep of Ed (told me he can report whatever he wants & I cannot do a thing), and EX behaving the same way, I just gave up on apping with anyone who pulled EX exclusively...until I wanted AMEX!
**On a side note....my Uniden cordless phone was an amazing piece of engineering. Took a hit across 30+ feet of hardwood floor, sliding at approx 60 mph, until the abrupt stop running into my 100 yo 1.5" thick baseboards. Battery door flew off...battery flew out. Put back together & still had a dial tone. <--This was immediately after conversation with dirtbag at DoE!
Highly recommended for calls to scumbag creditors who are wrong!
hahaha the uniden is a trooper lol just like you
thats a great story Mo!
Lebron let us know what happens
@Closingracer99 wrote:
@KennyRS wrote:
@Amexit wrote:
@Lebronjames20 wrote:my question to you is if i get denied, when will i be able to apply again for another cc?
You should give us some more info about you
There is a lot of people here who can help you and maybe see if you have a chance or not... If you don't mind sharing
The thing is.. they've shared it and a lot of people have weighed in. lol They are nervous, and I can understand that.
the Thing is My scores were probably around the mid 600's at the time when i applied for my BCE card and i would imagine the everyday card would be on par with the BCE. I had a lot of inquries on my Experian report like around mid 20's with a lot of them around 2011 or 2012 ish at the time. IDK maybe I just got lucky and got an Amex card since I was really looking to get one since Costco only accepts Amex cards for Credit
And this has to do with the OP's approval how? The OP was approved for 3.5k and there is a thread in the approval section. 