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amex financial review even before i receive my approved credit cards!

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New Member

Re: amex financial review even before i receive my approved credit cards!

Yeah, i cannot believe that. But the three card i got approved also include the plat.............

I already fax them what they need, hope they give me a good decision. 

I just cannot imagine that as the time i recieve the cards, i cannot use it.....

Message 11 of 24
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Valued Contributor

Re: amex financial review even before i receive my approved credit cards!


@davidyan0726 wrote:

Yeah, i cannot believe that. But the three card i got approved also include the plat.............

I already fax them what they need, hope they give me a good decision. 

I just cannot imagine that as the time i recieve the cards, i cannot use it.....


You complied. Everything should be okay. 

 

Just be careful next time, and try not to get one too many credit cards form a single lender at one time. 

Message 12 of 24
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New Member

Re: amex financial review even before i receive my approved credit cards!

 


@SkinMatters wrote:

Hey - I'm scared myself. I applied for Hilton and SPG last week, approved for Hilton, got "pending" on SPG (still pending), then for whatever silly reason applied - but got APPROVED! - for business Platinum Amex. 

 

I received my Hilton card today and have activated it and used it a couple times, but I am afraid of getting a similar call! 

 

I'll be happy when the Platinum is in my hand, activated....


Yeah, i cannot believe that. But the three card i got approved also include the plat.............

I already fax them what they need, hope they give me a good decision. 

I just cannot imagine that as the time i recieve the cards, i cannot use it.....



Message 13 of 24
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Valued Contributor

Re: amex financial review even before i receive my approved credit cards!


@heyarrnold wrote:

@SkinMatters wrote:

Ohh.... I should say that my Hilton came with paperwork saying my Ex Fico score is 677 but said potential negatives are "too many inquiries" (I have 20 now on Experian) (there were 19 when I got the Platinum approval)...

 

Pleeeeease let the Amex gods shine upon me...... lol


OMG. 20 O_o. 

 

@MJ

Police escort to the garden needed. Stat! LOL


I have 29 Smiley Tongue


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 14 of 24
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Super Contributor

Re: amex financial review even before i receive my approved credit cards!


@heyarrnold wrote:

@SkinMatters wrote:

Ohh.... I should say that my Hilton came with paperwork saying my Ex Fico score is 677 but said potential negatives are "too many inquiries" (I have 20 now on Experian) (there were 19 when I got the Platinum approval)...

 

Pleeeeease let the Amex gods shine upon me...... lol


OMG. 20 O_o. 

 

@MJ

Police escort to the garden needed. Stat! LOL


LoL 

Looks that way doesn't it 

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 15 of 24
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Mega Contributor

Re: amex financial review even before i receive my approved credit cards!


@davidyan0726 wrote:

 


@SkinMatters wrote:

Hey - I'm scared myself. I applied for Hilton and SPG last week, approved for Hilton, got "pending" on SPG (still pending), then for whatever silly reason applied - but got APPROVED! - for business Platinum Amex. 

 

I received my Hilton card today and have activated it and used it a couple times, but I am afraid of getting a similar call! 

 

I'll be happy when the Platinum is in my hand, activated....


Yeah, i cannot believe that. But the three card i got approved also include the plat.............

I already fax them what they need, hope they give me a good decision. 

I just cannot imagine that as the time i recieve the cards, i cannot use it.....




The Platinum is no different (for approval) than the Green or Gold, so being approved doesn't mean that they paid extra attention to the app or anything. 

 

But what does surprise people is the left-hand/right-hand nature of a lot of the issuers, where one side approves you for a bunch of cards and then the risk analysis/security group steps in and wants more information.  This raises the question "Why did you approve me in the first place then?", with the answer that the "they" who approved you is not the same "they" as the group with questions!

Message 16 of 24
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Valued Contributor

Re: amex financial review even before i receive my approved credit cards!

 


@Closingracer99 wrote:

@heyarrnold wrote:

@SkinMatters wrote:

Ohh.... I should say that my Hilton came with paperwork saying my Ex Fico score is 677 but said potential negatives are "too many inquiries" (I have 20 now on Experian) (there were 19 when I got the Platinum approval)...

 

Pleeeeease let the Amex gods shine upon me...... lol


OMG. 20 O_o. 

 

@MJ

Police escort to the garden needed. Stat! LOL


I have 29 Smiley Tongue


 

 

LOLOL

Message 17 of 24
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Frequent Contributor

Re: amex financial review even before i receive my approved credit cards!

When did you apply? In what order? Did you receive any of them yet? How long after application did they call you?

 

Sorry for all the questions, but I am very curious...

What's in my wallet: Bus Amex Plat $NPSL, Amex Plat $NPSL, Chase United $25k, CSR $10k, NFCU Flagship $22k, NFCU Cash Rewards $22k, Venture $20k; Barclays Arrival Plus $18.9k, Cap1 Venture $12k; Chase Marriott $16k, Chase IHG $12k, Discover It $30.8k, AAdvantage Aviator $14.9k, Hawaiian Airlines $9k, PenFed Plat Siggy $6k, Cap1 Spark $7.5k, Cap1 Quicksilver $6.1k, Amex Hilton $9k, Amex BCE $2k, Cap1 Quicksilver $5k; Amazon Store Card $7k, Chase Southwest $2k, Amex Delta Gold $6k, Amex SPG $6k, BoA $1k, BoA Royal Caribbean $1k, Citi DC 7k. Fico scores ~725
Message 18 of 24
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New Member

Re: amex financial review even before i receive my approved credit cards!


@longtimelurker wrote:

@davidyan0726 wrote:

 


@SkinMatters wrote:

Hey - I'm scared myself. I applied for Hilton and SPG last week, approved for Hilton, got "pending" on SPG (still pending), then for whatever silly reason applied - but got APPROVED! - for business Platinum Amex. 

 

I received my Hilton card today and have activated it and used it a couple times, but I am afraid of getting a similar call! 

 

I'll be happy when the Platinum is in my hand, activated....


Yeah, i cannot believe that. But the three card i got approved also include the plat.............

I already fax them what they need, hope they give me a good decision. 

I just cannot imagine that as the time i recieve the cards, i cannot use it.....




The Platinum is no different (for approval) than the Green or Gold, so being approved doesn't mean that they paid extra attention to the app or anything. 

 

But what does surprise people is the left-hand/right-hand nature of a lot of the issuers, where one side approves you for a bunch of cards and then the risk analysis/security group steps in and wants more information.  This raises the question "Why did you approve me in the first place then?", with the answer that the "they" who approved you is not the same "they" as the group with questions!


Yes, that is what i am think about. they might be different department. But the thing is really unlogic!

Message 19 of 24
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New Member

Re: amex financial review even before i receive my approved credit cards!


@SkinMatters wrote:

When did you apply? In what order? Did you receive any of them yet? How long after application did they call you?

 

Sorry for all the questions, but I am very curious...


The first one is BCE in July and they want me upload id and utility bills, they apprved me on end Auguest.

The second one is America everyday credit card on the end of Auguest with the same time of plat application. they approved me the day after i submit the application online.

I got called this monring for FR....

Message 20 of 24
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