*UPDATE* Amex Charge Denied but Revolver Approved?

[twist7d7]

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@jsucool76 wrote:

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@twist7d7 wrote:

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@buildingcreditfromnothing wrote:

Hello everyone!

I have always been under the impression that Amex charge cards are easier to obtain, but was instantly denied for the Platinum and instantly approved for the SPG on the same day. My CL on the SPG is $21,000 yet I can't get a Platinum. It doesn't make much sense to me... What do you guys think?

Thanks so much!

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Dont you need a year of history with a charge chard before you can get the plat? unless you got a targeted offer

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I've not heard that before. 

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I was told that buy the CSR that did my PRG card app. Did they give you a reason for denial?

[buildingcreditfromnothing]

Believe me, I've applied for the Green, Gold, PRG and Plat... all denied Hahah  I now have the True Earnings Business (6K CL) and SPG Personal (21K CL). 

[jsucool76]

Also, I thought you had to wait like 31 days in between amex denials before you could app again? 

[Closingracer99]

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@jsucool76 wrote:

Also, I thought you had to wait like 31 days in between amex denials before you could app again? 

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Na You only have to wait 31 days to apply for the same card 

[buildingcreditfromnothing]

They always give me a laundry list of denial reasons about my Util (4%) and "Number of accounts with delinquency". I cosigned on an auto loan that had ONE 30 day late in 2007. Why are they still bringing that up lol?

[jsucool76]

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@Closingracer99 wrote:

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@jsucool76 wrote:

Also, I thought you had to wait like 31 days in between amex denials before you could app again? 

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Na You only have to wait 31 days to apply for the same card 

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Ah, got it. Good to know. 

[Closingracer99]

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@jsucool76 wrote:

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@Closingracer99 wrote:

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@jsucool76 wrote:

Also, I thought you had to wait like 31 days in between amex denials before you could app again? 

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Na You only have to wait 31 days to apply for the same card 

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Ah, got it. Good to know. 

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With Charge cards  while I think you could apply for each one after each denial it would be pointless since they all have the same under writing 

[twist7d7]

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@buildingcreditfromnothing wrote:

They always give me a laundry list of denial reasons about my Util (4%) and "Number of accounts with delinquency". I cosigned on an auto loan that had ONE 30 day late in 2007. Why are they still bringing that up lol?

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Wow, i know amex doesnt recon but in this case it might be worth a manual look over. i might just be a probem in there system. id give them a call

[buildingcreditfromnothing]

What I think happened is that when my identity was stolen a few months back (long story), they flagged my name after all of the fraudulent applications were submitted. There were like 49 submitted and I had to call and have them cleared from my name. In August, I applied for the PRG and got instant denial for reasons that don't apply to me. Do you think I have been blacklisted from charge cards lol?

[twist7d7]

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@buildingcreditfromnothing wrote:

What I think happened is that when my identity was stolen a few months back (long story), they flagged my name after all of the fraudulent applications were submitted. There were like 49 submitted and I had to call and have them cleared from my name. In August, I applied for the PRG and got instant denial for reasons that don't apply to me. Do you think I have been blacklisted from charge cards lol?

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I dont think you have been blacklisted. they might think its more identy fraud going on. like i said before might be worth a call or two. Id ask to talk to someone higher then a regular CSR.