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  1. #1
    poobybear is offline Senior Member
    Join Date
    Jul 2001
    Posts
    163

    Denied Amex Blue...

    Today I applied for Amex Blue and was denied. I guess I got a little too confident after BofA raised me to 9,500 w/o hard inquiry. I currently have a students Blue with a credit limit of 2,600, but the apr is like 12 something and I keep hearing how the regular Blue has a low interest rate, so I thought I would apply for the regular Blue. Anyway, I want to know the best way to get reconsidered for it. My scores range from 696 (TU) to 708 (EQ), but all are about the same. I think that the score they let me see is different from the score the companies see, but oh well. I haven't applied for anything new in a long time, over 9 months, so I don't understand. Maybe my scores are too low, any input would be appreciated!

  2.  
  3. #2
    poobybear is offline Senior Member
    Join Date
    Jul 2001
    Posts
    163

    Denied Amex Blue...

    bump:-)

  4. #3
    willgator is offline Senior Member
    Join Date
    Nov 2002
    Posts
    948

    Denied Amex Blue...

    iT'S NOT THE SCORES
    www.artofcredit.com

  5. #4
    poobybear is offline Senior Member
    Join Date
    Jul 2001
    Posts
    163

    Denied Amex Blue...

    If its not the scores, I don't know what else it could be. I have never been late on any card - especially the student Blue, and I don't have any other negatives. My debt is at like 25% utilization, which I thought was what creditors wanted. I am confused.

  6. #5
    luxury4me is offline Senior Member
    Join Date
    May 2002
    Posts
    266

    Denied Amex Blue...

    Maybe they wont give you one because you already have a student version. Maybe they want you to graduate first and then they will give the regular one.

  7. #6
    four20nik is offline Senior Member
    Join Date
    Dec 2002
    Posts
    929

    Denied Amex Blue...

    How old is your credit file?
    Nik
    "It's all about the paper trail"

    EQ 549 05/02 -> 728 06/03
    TU 545 05/02 -> 619 02/03
    TU 627 02/03 FACO
    EX 633

  8. #7
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Denied Amex Blue...

    Maybe the "GEORGE FACTOR" is spreading.

  9. #8
    ryder is offline Senior Member
    Join Date
    Oct 2002
    Posts
    372

    Re: Denied Amex Blue...

    Originally posted by luxury4me
    Maybe they wont give you one because you already have a student version. Maybe they want you to graduate first and then they will give the regular one.
    LOL! Once a bank sent me a pre-approval notice for a low interest rate gold card with a balance transfer option. For the balance I was going to transfer, I put down a regular card I already had with the same bank at a higher rate. Denied!!!
    TU FICO 788 - EQ FICO 793 - EX FAKO 776 - EX FICO ???

  10. #9
    GEORGE is offline Senior Member
    Join Date
    Mar 2000
    Posts
    20,468

    Re: Re: Denied Amex Blue...

    Originally posted by ryder
    LOL! Once a bank sent me a pre-approval notice for a low interest rate gold card with a balance transfer option. For the balance I was going to transfer, I put down a regular card I already had with the same bank at a higher rate. Denied!!!
    No BT with the same bank...EVER.

  11. #10
    poobybear is offline Senior Member
    Join Date
    Jul 2001
    Posts
    163

    Re: Re: Denied Amex Blue...

    OK, I'm out for blood. I checked my EQ report today, and my score DROPPED 10 POINTS due to the inquiry I had on my report from Amex. To answer a couple of questions, my credit file goes back to 1993, when my mother added me as an authorized user to her credit card, even though I was not 18. It was a good tradeline with a high credit limit, and she has since closed that card, so I think that helped me when I started out getting my own cards about 4 years ago. My length of credit has not been a problem for awhile. The only change to my report from Friday to today is that darn inquiry. BTW, for those of you like me who have the student blue, I called customer service and asked which card I would be eventually upgraded to, and they told me a would get a regular Optima when my card expires AND if I have graduated by then. SO IT DOES NOT EVENTUALLY TURN INTO THE REGULAR BLUE. I can't really argue the inquiry because I applied, but it just really bothers me that I can't get my student blue out of the 2,000s and that I have never been late/overlimit/etc. with ANY card, plus my household income is more than enough (which if necessary I can verify for them), and my limits/terms with other cards are much much better & I still can't get a better product with them. I'm sorry for venting!!!

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