What's the waiting time

[Anonymous]

For Amex? Back in April I applied for Amex bce. With a 645 ex and 30% util. DENIED!! I want to apply again. 708 ex, and 10% util. I really don't want to apply and have them pull the old report. This time I want the ED instead. Is there a certain time period I need to wait?

[Anonymous]

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@Anonymous wrote:
For Amex? Back in April I applied for Amex bce. With a 645 ex and 30% util. DENIED!! I want to apply again. 708 ex, and 10% util. I really don't want to apply and have them pull the old report. This time I want the ED instead. Is there a certain time period I need to wait?

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isn't it 30 days? have you tried their prequal to see if they got anything for ya?

[Anonymous]

Nothing. 😔 I checked some link a member gave me. I put in my social and when I did that declined bce popped up.

[Anonymous]

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@Anonymous wrote:
Nothing. 😔 I checked some link a member gave me. I put in my social and when I did that declined bce popped up.

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That's not the prequalification site.  That's just the application status site.

[Anonymous]

Oh I know, I try the pre qual page daily. It always says nothing found but you might like these cards.

[Anonymous]

Ok since the application status page is still showing that denial, is it safe to assume I can't app yet?

[Anonymous]

If it's been 3 months since your denial, you should be good to go if the scores and utilization were the only reason for the denial

[Anonymous]

I think my score was around 670 when i cold app'd for bce. I'd say try applying for it, but it's up to you.

[Anonymous]

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@Anonymous wrote:
Ok since the application status page is still showing that denial, is it safe to assume I can't app yet?

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That doesn't matter at all.  I got approved with a previous denial still showing in there.

[Anonymous]

I heard 30 days then 90 days before I can app again. Ugh this is ridiculous. Lol

I plan to app on the 22nd, but 90 days will be on the 25th.