My Application Was Cancelled, Then I Got It Approved

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Pipe Doctor
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Location: Woodmere, NY

My Application Was Cancelled, Then I Got It Approved

Postby Pipe Doctor » Wed Feb 15, 2012 2:12 pm

Two days ago I applied for an amex jet blue card on the internet. Like they have many times in the past for many many years, I got the answer that my application was pending review.

Yesterday morning, I checked on the status and it said the application was cancelled. Puzzled because they have denied me for my entire life, I decided to call. Because I had placed a credit freeze on my cra's, they needed further verification.

To verify my address, the conferenced called one of my banks to verify my address. 5 minutes later they approved my application with a $10k limit! Amazing, my first amex card!

What makes this story even better was that on 10/2010, i learned that my ID was stolen and I owed hundreds of thousands of dollars due to fraud. It took a surprising 3 months to clear up and remove and left me with a 745 FICO - however amex still would not approve me.

Last night I found this forum and read dozens of postings relating to amex. I want to apply for the gold card because my wife and I do ALOT of traveling, dinners, etc.

After reading that the jet blue card does not really offer the best bank for your buck, should I wait awhile or just apply now for the gold card?
Amex PRG - Everyday card:)
Amex Platinum
Amex Jet Blue 10k - For those purchases when you can't PIF
Barclays Rewards 4.5k - Just to have a lower debt ratio
NFCU Signature 15k - Just to have a lower debt ratio
USAA World MC 12k - Ditto


ooxs
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Location: Michigan

Postby ooxs » Thu Feb 16, 2012 6:21 pm

Not necessarily, with your current score, you can apply today and get an easy approval. Last year i had six hard pulls just from American express, all were approved with no significant effect on my score. Now i am not recommending that this will be the case for everyone but just to show you that with almost perfect score, the ball is your court. In my case, I was chasing the rewards and they kept offering me more and because I was not applying for anything significant such as a loan or mortgage,so hard pulls were the least of my worries.

Good luck and let us know if you have any questions

Pipe Doctor
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Green Member
 
Posts: 14
Joined: Wed Feb 15, 2012 2:03 pm
Location: Woodmere, NY

Postby Pipe Doctor » Thu Feb 16, 2012 7:46 pm

I applied shortly after posting this thread last night online and called today. Went thru the same process again with the bank verification, but I was approved for the PRG card!! I'm on a roll!!! UNBELIEVABLE. Yes, I did use the link on this forum to apply so I'll be getting the extra reward points - and hopefully this forum gets some credit for it!! Thanks!!
Amex PRG - Everyday card:)

Amex Platinum

Amex Jet Blue 10k - For those purchases when you can't PIF

Barclays Rewards 4.5k - Just to have a lower debt ratio

NFCU Signature 15k - Just to have a lower debt ratio

USAA World MC 12k - Ditto


ooxs
Centurion Member
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Posts: 304
Joined: Sat Aug 13, 2011 9:38 am
Location: Michigan

Postby ooxs » Fri Feb 17, 2012 8:38 pm

Congrat, i feel great knowing it worked out for you and that we have a reason to celebrate. Let me know if we are doing NY style pizza or Chicago deep dish. If you have any questions, feel free to ask and once again congrat.

fantasy86dj
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ICQ: 387113
WLM: katoomba@live.co.uk
Yahoo Messenger: mettymeta242
Location: Australia

Postby fantasy86dj » Sat Feb 18, 2012 2:08 am

A very big congratulations to you :)
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)

Pipe Doctor
Green Member
Green Member
 
Posts: 14
Joined: Wed Feb 15, 2012 2:03 pm
Location: Woodmere, NY

Postby Pipe Doctor » Tue Feb 21, 2012 7:14 pm

gets better. got my prg card today via ups. i was an authorized user back in 2004 on my ex-gfs account. The backdated my prg card to 2004! INSANE!!!!!
Amex PRG - Everyday card:)

Amex Platinum

Amex Jet Blue 10k - For those purchases when you can't PIF

Barclays Rewards 4.5k - Just to have a lower debt ratio

NFCU Signature 15k - Just to have a lower debt ratio

USAA World MC 12k - Ditto



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