- Centurion Member
- Posts: 4059
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
popamode72 wrote:Do you know of cases of people who reapply for Amex and don't documents asked from them? I imagine that most cases after an FR, they'll keep asking for it even when reapplying.
I expect that they would do something like resume the FR. If the AA all started with finding something they didn't like on an Experian soft pull, then they would probably want to go over your finances in more detail before extending you new credit. Their risk concerns were clearly pretty high when you closed your accounts.
I suppose that might not be the case if they like your credit report a lot more during a future application. They might not bother with an FR if they don't see the risk that they recently did.
otter wrote:My BCE also has a toy limit. It does have no annual fee so it will remain in the sockdrawer until it rots.
$1k is a toy limit, especially for Amex. On the other hand, BCE isn't really the kind of card you might want a huge limit on, anyway. The rewards and perks are inferior to PRG.
I'm not sure what your spending is, but someone would have to really be spending a lot of money to actually need $90,450 (or $91,911 for that matter) in credit. It's not so surprising that Amex would want to limit its exposure and keep you at a low CL when your BCE and Delta are sockdrawered, anyway.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech