Did my credit card application just get denied?

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Credit Card guy
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Did my credit card application just get denied?

Postby Credit Card guy » Wed Oct 31, 2012 3:16 am

I applied for an Amex CC and when I finished the application I received a message telling me that I will be notified of the decision in 14 days vial mail. That tells me it was denied.

My fico is almost 720. CC history is approaching 9 yrs with 4 credit cards and no late payments ever. I thought I had a solid credit history to be approved.


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djrez4
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Postby djrez4 » Wed Oct 31, 2012 7:53 am

You can check your application status here: https://www262.americanexpress.com/eaol/welcome.do
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Oct 31, 2012 9:42 am

Credit Card guy wrote:I applied for an Amex CC and when I finished the application I received a message telling me that I will be notified of the decision in 14 days vial mail. That tells me it was denied.

My fico is almost 720. CC history is approaching 9 yrs with 4 credit cards and no late payments ever. I thought I had a solid credit history to be approved.


Nope. Not automatically denied. An actual person needs to look at your credit file. It could be something simple. Don't assume the worst. Many people get that same automatic message and are later welcomed as new members. Hang tight and let us know the decision.
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Credit Card guy
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Postby Credit Card guy » Wed Oct 31, 2012 10:13 am

djrez4 wrote:You can check your application status here: https://www262.americanexpress.com/eaol/welcome.do


Just checked and it says my application is approved!

Applied for the Blue Cash preferred card. Main reason I got it was for Costco. I hate paying cash every time I go. :ppp

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Oct 31, 2012 10:14 am

Congrats! Welcome to the club.
American Express Platinum Personal, Member since 94
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Postby Robrus1 » Wed Oct 31, 2012 1:23 pm

Congrats! Amex is a great company to do business with.
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djrez4
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Postby djrez4 » Wed Oct 31, 2012 2:44 pm

Credit Card guy wrote:Just checked and it says my application is approved!

Applied for the Blue Cash preferred card. Main reason I got it was for Costco. I hate paying cash every time I go. :ppp


Sweet! All that worry for nothing. Enjoy the new card. I got the Costco Amex for the same reason.
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jlam572
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Postby jlam572 » Wed Oct 31, 2012 8:55 pm

congrats and welcome
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Marcov719
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Postby Marcov719 » Thu Nov 01, 2012 10:04 pm

Got the same message when I applied for BCP. I then checked online and saw that I was approved. :)



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