- Centurion Member
- Posts: 241
- Joined: Fri Jun 07, 2013 9:46 am
- Location: Broward County FL
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, Plenti ; Discover It (7.3k) ; Target (1.6k)
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