First of all I'd like to thank everyone here at the forum as this place was invaluable in helping me make a decision on what should be my 2nd credit card and how to get approved.
To give you a little bit of back story, I've had a USAA College Credit card for about 3 1/2 years now. $500 spending limit and never been late on a payment, although I have carried over a balance (20-40%) every month since I've had it. I've had a collections item on my credit report since around 2007 due to an unpaid medical bill totaling a whopping $100. That collections item has drastically affected my credit score given my age and lack of credit history. This item was supposed to be removed earlier this year so I went ahead an took the plunge and applied for the AmEx Blue Cash card last evening. I received a denial almost immediately. AmEx stated my low FICO score (648) as the resin for my denial. I then pulled my credit reports using CreditCheck Monitoring from USAA. I had a 748 with Equifax but a 628 with Experian and TransUnion.
At the advice of some previous posters here in the AmEx forum I gave the AmEx Executive Offices a call this morning for a reconsideration. I spoke to a very cheerful lady and explained to her my situation. I explained that I have been trying to be responsible with my credit and that the medical bill that went into collections was a misunderstanding (my father was supposed to have paid for it). She was very empathetic of my situation and told me she would be happy to forward my recon request to the underwriters.
Fast forward about 6 hours and I received a call from the same lady at the executive offices stating that my recon had been approved with a credit limit of $1K! I am very thrilled to say the least. I am extremely grateful to get my foot in the door with AmEx as they say and I have this forum to thank!
So, thank you!