Status Of Application

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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4Runner
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Status Of Application

Postby 4Runner » Sun Sep 11, 2011 10:31 pm

If a card application is denied, a hard inquire to CRB is already done, but what about when a card application is cancelled?

What it means when an application has been cancelled?


ooxs
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Postby ooxs » Mon Sep 12, 2011 7:50 pm

Best word i can think of to describe this situation is OHNO-Second. This is the time you clicked the submit button and realized that you don't need to complete the process. If i understand your question, you want to cancel your application after applying? The application is pretty much automated and sometimes a human hand is needed to complete the approval process but this after a hard pull was already completed.

4Runner
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Postby 4Runner » Tue Sep 13, 2011 11:01 am

What i mean is: on AMEX application status webpage when the application was submitted and reviewed, if it is declined it appears like that: Application Status: Declined.

But sometimes it says Application Status: Cancelled.

the question here is what it means.

ooxs
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Postby ooxs » Tue Sep 13, 2011 6:11 pm

At some point they stopped processing the application because it was either erroneous or withdrawn by the consumer. I suggest you call to see what is going on with your app.

flyingmd
 
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Postby flyingmd » Tue Sep 27, 2011 7:19 pm

I had that happen to me recently. Applied for the SPG credit card and then several days later applied for the new MB credit card. I noticed a few days later that the SPG app was still in progress but the MB app was showing as cancelled. When I called CSR they said that the system will often automatically cancel an application if it comes too quickly after another app. I know some people have submitted more than one app on same day and both go through but this is clearly not always the case.

4Runner
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Postby 4Runner » Wed Sep 28, 2011 1:41 am

My initial doubt is still not answered. To cancel the application, there was a hard inquire or not?

zapper_89
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Postby zapper_89 » Wed Sep 28, 2011 2:20 am

4Runner wrote:My initial doubt is still not answered. To cancel the application, there was a hard inquire or not?


The hard inquiry is processed literally seconds after you click submit. So I assume the answer to your question is yes, unless is was cancelled due to an invalid SSN (I.E. mistyped).



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