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Just call in! It won't hurt--It won't help, either--and you'll likely get your response faster! It might seem like people who call get bad news, but I think that's a correlation/causation problem; I can't believe calling would hurt anything! Just give it a shot. Good luck!
Sorry to hear that! But at least now you know! Get some history with them and I think you'll be there. Obviously you were right near the line this time, so a little more might just push you over into aproval land.
I feel like I wouldn't get approved if you didn't.
@reckedhim wrote:
I have a small collection account which is being removed. My last late was about 3.5 years ago. I'll mull it over...
I just got approved for the Green charge and BCP with 2 paid collections on my EX report from 2011. Also report still shows 2 CC chargeoffs from 2007 (one paid/other unpaid). Just received my EX Fico letter from AMEX and they approved me with a score of 686 ( i guess down a little bit from the BoA inquriy previous AMEX inquiry a few days earlier and new BoA account reporting). So i think you have a good shot!
@dodgerslv wrote:
@reckedhim wrote:
I have a small collection account which is being removed. My last late was about 3.5 years ago. I'll mull it over...I just got approved for the Green charge and BCP with 2 paid collections on my EX report from 2011. Also report still shows 2 CC chargeoffs from 2007 (one paid/other unpaid). Just received my EX Fico letter from AMEX and they approved me with a score of 686 ( i guess down a little bit from the BoA inquriy previous AMEX inquiry a few days earlier and new BoA account reporting). So i think you have a good shot!
Dang it, you've tempted me again.
@reckedhim wrote:
@dodgerslv wrote:
@reckedhim wrote:
I have a small collection account which is being removed. My last late was about 3.5 years ago. I'll mull it over...I just got approved for the Green charge and BCP with 2 paid collections on my EX report from 2011. Also report still shows 2 CC chargeoffs from 2007 (one paid/other unpaid). Just received my EX Fico letter from AMEX and they approved me with a score of 686 ( i guess down a little bit from the BoA inquriy previous AMEX inquiry a few days earlier and new BoA account reporting). So i think you have a good shot!
Dang it, you've tempted me again.
LOL...my bad! My AMEX green was instant approval and my BCP got the 7-14 day message and by the time i closed tha page and went to check to applications status page it was already approved...lol. Good luck and keep us updated!
The one that you get approved for!![]()

















CL $408,200