n777ua wrote:Apparently not so much of a shoe-in...instant decline.
AMEX was still showing high utilization rates on our credit file....and so begins the fun of manual reconsideration.
What is your current UTIL % at the time of apped? Anything over 35% IMHO is borderline, even with a high Fico. I generally use a rule of thumb when I app for a new CC. My UTIL has to be below 20% and less than 2 inquiries for new credit on my CR the 12 months.
I was approved and Amex pulled my EX report. It's not my highest report in terms of score since my car loan is not reported on there. But I did get approved cause I have only 1 inquiry on my EX L2 yrs.
UTIL % plays a big factor in getting approved for a new CC and CLI request. Good luck with the recon.