American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Nabil
 
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Joined: Wed Feb 22, 2012 8:26 am
Location: Miami

AMEX has said no yet again!

Postby Nabil » Wed Feb 22, 2012 8:34 am

hello i have been denied for an AMEX blue cash, too many inquires :mad: . right after that i called Chase and got a sapphire preferred with a 5k limit almost instantly :cool: . I really still want the AMEX my scores are decent : EX-735, EQ-725, TR-780 . What do you guys recommend?


DoingHomework
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Location: Arizona

Postby DoingHomework » Wed Feb 22, 2012 2:12 pm

Nabil wrote:. What do you guys recommend?


Don't apply for anything for at least two years. Pay all your debts on time and otherwise be very responsible with your credit. Then apply again for the AMEX.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Feb 22, 2012 2:53 pm

Nabil wrote: too many inquires


STOP applying for credit. Wait until ALL of your inquiries fall off your credit report, pay your bills on time for the next 2 years and then apply. It doesn't matter what your credit score is if you have other factors that are denying your application.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

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bisbicos
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Location: Newton, MA

Postby bisbicos » Wed Feb 22, 2012 3:18 pm

How many inquiries are on your credit report?
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

CC Deville
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Postby CC Deville » Wed Feb 22, 2012 3:46 pm

PlatinumAMEX94 wrote:STOP applying for credit. Wait until ALL of your inquiries fall off your credit report, pay your bills on time for the next 2 years and then apply. It doesn't matter what your credit score is if you have other factors that are denying your application.


+1

Why so many inquiries? You should only apply for credit when you need it. Amex must agree.

ooxs
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Location: Michigan

Postby ooxs » Wed Feb 22, 2012 5:11 pm

Nabil,
Chase may not use the same credit reporting agency as American express which is why you were approved. As the above posters recommend, wait two years to re-apply. Some of your inquires may fall off in a year depending on the inquiry date but applying again with-in the next six months is a guarantee denial.
Congrat on your approval and that card is just as good if not better.

Nabil
 
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Joined: Wed Feb 22, 2012 8:26 am
Location: Miami

Postby Nabil » Thu Feb 23, 2012 6:24 am

Hey guys thanks for all your replies they are really helpful, AMEX just called and said they were getting inaccurate info thus my application took 22 days. they apologized :cheers: and approved me for a 3.5k limit and because of the wait they are expediting the card next day.

ivotedale
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Postby ivotedale » Thu Feb 23, 2012 7:18 pm

Congrats!

Thought with that I wonder; were they pulling someone else's file information? Where did your information go? How did they discover they had the wrong data?

Sucks to hear about that, but glad to hear you got approved! Use it well and wise.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

ooxs
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Postby ooxs » Fri Feb 24, 2012 8:45 pm

Hmm, congrat



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