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  1. #1
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    Default American Express Application Status - How Long Will It Take?

    I just applied for Zync last night, but didn't get an instant approval. How long til I hear the application status? Should I call American Express?

    I'm 21 with a few open lowish limit accounts. My utilization is somewhat high (80% on one account and 40% on another, but like 2% on my last one), but that is purely because I prefer credit and every account is paid in full monthly. I've never missed a payment or anything like that. I've also got a small personal loan on my record from my credit union for car repairs late last year, and it is getting paid off rapidly and will be done early. I applied for the blue card awhile back, but was declined. Considering that I absolutely always pay in full, the zync really caught my eye, so I'm hoping I can grab it. Would calling American Express help my chances at all, or should I just wait a few more days on the status? I don't EXPECT my application to be approved either way since I'm young and my credit profile isn't even quite a year old yet, but this card would really be nice to have.
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  2. #2
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    I should also note that I most likely wasn't instantly approved or declined because I recently moved, so my address might not match my report yet.
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  3. #3
    Centurion Member Mogul of Pineapples's Avatar
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    American Express should send you a letter within 7 to 10 days with their decision. Typically that means they had to do a manual review on your application but sometimes it means you are denied, but instead of saying that on the computer, it's said in the letter.

    You should also be able to call American Express to check application status if you want. But an easier option would be to use this page to check-

    https://www201.americanexpress.com/e...ck/welcome.jsp
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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    Unfortunately, it has now been over 24 hours and that page still cannot pull up my application. I figured they will likely decline me because of my newer history, but usually it's done instantly.
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    How often does that page to check American Express application status get updated? I too encountered a pending decision when I applied a tonight before coming to this forum. When I tried that it says my application was not found.
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  6. #6
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    You should call them. Even when applying over the phone there can be delays. I applied for the green card over the phone and after taking my application she said she needed to transfer me to another department to get "some more info". I thought I was going to be declined and when I got to the other person all she wanted to know was my mother's maiden name and then they approved me.
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    Centurion Member Mogul of Pineapples's Avatar
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    I have no idea how often the Amex application status page is updated but my guess would be it would be the same information the CSRs have access to, though I could be wrong.
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

    Current Cards:
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    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Chase Sapphire Preferred
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  8. Platinum Member alsteig's Avatar
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    The best way to do it is to apply on the phone so that you can review it with the rep and get an instant approval that way. Generally if you have to wait they are going to deny you.
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  9. #9
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    I got a Zync the other day and was approved instantly, but not for the original product, as they stated. Decent, but not great credit in my report. They just made me link my checking account with the card for autopay. $500 limit seemed odd since I have a 2k limit with Chase Freedom. That card took 30 days until I got my packet and card in the mail. I have like 17 late payments now in my report but all over 2 years old. I think that and the inquiries from October were a major factor in my approval terms.
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  10. #10
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    Sorry it's been awhile. Here's the story:

    I ended up never getting any information back about my application. No e-mail, no letter, website never updated, the works. I will admit that I never bothered to call them, though.

    Then 2 weeks ago or so, I decided to re-apply since it'd been 30 days since my first application. I figured that since I'd just moved it may have not been able to pull my report or something. Bam, instant decline. It listed the length of my accounts and my number of inquiries as the reasons.

    I've never had a late payment or anything negative on my report. Most of the inquiries from the last 12 months consist of my new apartment complex, putting my utilities in my name for the first time, Comcast cable access, etc, NOT cards. I checked my report with Equixfax and confirmed that all of these did a hard pull, though. It's been 2 or 3 weeks since I re-applied, but does anyone think it'd be worth a try to give them a call still and explain the situation? I don't want to seem like I'm desperate and could easily live without, I just would really like to start a history with Amex sooner then later. Do they look at the reason for my numerous inquiries, or do they just look at the number? Think I'd be better off to just wait until next year and give it another shot then?
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