got denied the everyday amex any tips ?

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Elijahmex
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Re: got denied the everyday amex any tips ?

Postby Elijahmex » Wed Dec 16, 2015 12:46 pm

marlonbishop wrote:Hi!

a few days back i applied for the american express everyday card. i got denied for several things on my credit. then i applied for a Chase sapphire preferred which i got instant. approval. should i call a reconsideration line with amex?
here are the reasons they said:

1. derogatory public record or collection filled.
2. too few acts currently paid as agreed (1)
3. length of time have been stablished

and they gave me a score of 645 and when i applied for my discover they said in the report i had 723.

any help or tips?


Derogs definitely don't help. Get those removed, wait a while and try again. I know for sure AMEX does not like derogs
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Tubpbs
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Re: Worth a recon call?

Postby Tubpbs » Wed Dec 16, 2015 2:14 pm

Redsox911 wrote:This is situation and I feel it may be fruitless but would really love to get an AMEX Delta Skymiles card since I'm doing a decent amount of traveling on Delta in the upcoming months.

So in 2005 I filed for Chap. 7 Bankruptcy, and at the time I did not include my Amex green card in the process because I was hoping to retain 1 card. Well, soon after my bankruptcy became official Amex yanked my card anyway due to this. Fast forward a little over 10 years and my credit is now quite decent aside from a couple high ratio balances and I apply 10 days ago for the AMEX Delta Gold Skymiles card. Immediately I receive the notification that they will need to look into this app and that I will receive an email when the decision is made. About 3 minutes later I receive the email and log into the Amex site where it says my app was "DECLINED" because my previous account was closed by AMEX.

Would it be a complete waste of time to call the reconsideration line and see if anything can be done to get an approval for this?

Thanks for reading!!

RS911


That's never a waste of time. It might not yield the result you want but the worst thing that can happen is you waste a couple minutes of your time and end up right where you are with a declined application. On the other hand, if the call goes well, you could in theory end up with what you wanted in the first place... No way to tell, but definitely worth working on.

I'm sure there are lots of people on this forum who could discuss things to say and not say on the call as well...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

augiedog
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Postby augiedog » Wed Dec 16, 2015 4:12 pm

mikegyver wrote:From my experience Amex can often be the hardest issuer to get cc from. Although the good news is they seem pretty good with giving chances. I would let things age a little bit. I've seen people with similar reasons for the decline and then get approved for Amex 3 or 4 months later so its possible. Make sure there aren't any in-accurate items on your reports also.


Very strange, I have been approved for every card I've applied for from them. I tried getting the Quicksilver recently and had to call CapitalOne to approve the application. Afterwards I applied for the EveryDay and got instant approval (which I thought I would have been denied since I have two other cards with them). Possibly having other cards with them makes it easier?

As for the OP, I would try to remove those derogatory remarks from your credit report (especially the one about not paying as agreed - they are most picky about that and will apply penalty APRs to those who pay late). Wait for your credit to age and try again.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

Redsox911
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Re: Worth a recon call?

Postby Redsox911 » Wed Dec 16, 2015 4:27 pm

Tubpbs wrote:
Redsox911 wrote:This is situation and I feel it may be fruitless but would really love to get an AMEX Delta Skymiles card since I'm doing a decent amount of traveling on Delta in the upcoming months.

So in 2005 I filed for Chap. 7 Bankruptcy, and at the time I did not include my Amex green card in the process because I was hoping to retain 1 card. Well, soon after my bankruptcy became official Amex yanked my card anyway due to this. Fast forward a little over 10 years and my credit is now quite decent aside from a couple high ratio balances and I apply 10 days ago for the AMEX Delta Gold Skymiles card. Immediately I receive the notification that they will need to look into this app and that I will receive an email when the decision is made. About 3 minutes later I receive the email and log into the Amex site where it says my app was "DECLINED" because my previous account was closed by AMEX.

Would it be a complete waste of time to call the reconsideration line and see if anything can be done to get an approval for this?

Thanks for reading!!

RS911


That's never a waste of time. It might not yield the result you want but the worst thing that can happen is you waste a couple minutes of your time and end up right where you are with a declined application. On the other hand, if the call goes well, you could in theory end up with what you wanted in the first place... No way to tell, but definitely worth working on.

I'm sure there are lots of people on this forum who could discuss things to say and not say on the call as well...


Thanks Tubpbs...I suppose it couldn't hurt. Will give it a shot this week.

If there is anyone with some pointers on what to and what not to say I'd appreciate hearing them.

Regards,

RS911

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CarefulBuilder14
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Re: got denied the everyday amex any tips ?

Postby CarefulBuilder14 » Wed Dec 16, 2015 5:18 pm

This thread is older than my Sallie Mae...
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Re: got denied the everyday amex any tips ?

Postby Tubpbs » Wed Dec 16, 2015 9:46 pm

CarefulBuilder14 wrote:This thread is older than my Sallie Mae...


Guy needs help. We should try. Haha.

Does anyone have suggestions that completed a successful recon in a similar situation?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



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