Declined for BCE

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
14 posts
Freedomtodiscover
Platinum Member
Platinum Member
 
Posts: 54
Joined: Thu Jul 12, 2012 2:50 pm
Location: CA

Postby Freedomtodiscover » Mon Jul 16, 2012 2:45 pm

Hey guys got the letter today in the mail. They pulled a FICO of 752 the only reason listed for the decline was the length of time I have been a customer for American Express. I guess I can try after the 91 days most people are recommending. Once I get approved I plan on ditching the gold card.

Has anyone seen this type of decline before?
[size=80]
HSBC Premier - $32K
Amex BCE - $10.5K
Amex ZYNC - NPSL
Chase Freedom - $5K
Discover IT - $3K
EX Fico- 780[/size]


MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Mon Jul 16, 2012 3:01 pm

Seems a little harsh for a 752 FICO. Their revolvers are harder to get than the charge cards are. Still they gave me a BCP within a month of getting a Zync with a similar FICO. Maybe they considered some other things marginal and just want to see you use it a bit more time to get comfortable with you. Give it some time and I'm sure you'll get it and the good news is the decline is only a soft pull.

Freedomtodiscover
Platinum Member
Platinum Member
 
Posts: 54
Joined: Thu Jul 12, 2012 2:50 pm
Location: CA

Postby Freedomtodiscover » Mon Jul 16, 2012 3:07 pm

That may be possible. Only thing I can think about is inquires. I moved recently and had to apply for utilities and such also switched cell phone carrier's. Hopefully I get approved after the 91 day wait. If anybody else has this experience with this I would like to hear about it.
[size=80]

HSBC Premier - $32K

Amex BCE - $10.5K

Amex ZYNC - NPSL

Chase Freedom - $5K

Discover IT - $3K

EX Fico- 780[/size]

Freedomtodiscover
Platinum Member
Platinum Member
 
Posts: 54
Joined: Thu Jul 12, 2012 2:50 pm
Location: CA

Postby Freedomtodiscover » Mon Jul 16, 2012 7:01 pm

American wrote:I called the recon line, and they approved me, but AmEx works in very bizarre ways.


What is the number for RECON?
[size=80]

HSBC Premier - $32K

Amex BCE - $10.5K

Amex ZYNC - NPSL

Chase Freedom - $5K

Discover IT - $3K

EX Fico- 780[/size]



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