Kitty and SPH, I called and was declined. I spoke to a rep and then to a supervisor who told me to equal out my negatives and positives. I plan to do that as soon as I get my report, but what do I do in the meantime?
Hey Geo, try what I'm trying - the opt out opt in thing - I think it will work. I've noticed that If I get a preapproval based on a PRM inquiry (usually from EXP) they pull a different report for the app. So I am only opting in on EFX. Then I hope they will pull EXP and TU. MP, the Blue preapproval just disappeared. I filled out the little form and went happily on my way. I checked my CR's and there was no inquiry on there so I thought, "wow it really is based on my record with AmEX" (spotless). Same with all my accounts. However, I felt so good that I applied for that the Citi plat - they had already pulled EFX about a month ago, so I figured they'd pul EXP this time, and B of A plat - they had recently issued my Mom a card - her credit history is about 6 months old, LOL, and they pulled her EXP report, so I thought they used EXP. Well they both pulled EFX, and they both turned me down for too many inquiries too many cards. I called them both to "discuss their requirements." No way they said. Too many is too many. I didn't feel bad because I knew that Blue was coming. Well, I didn't get anything. Waited and waited, finally called after about a week. the gal said, well, I don't see anything here, just wait and it will probably come in the mail soon. So I waited, checked my CR's - nothing. I called again - nobody could find any app for me, no card, no nothing. So with those 2 extra inquiries on EFX, and a couple more that were hard inq's and should have been AR's, I just decided to let sleeping dogs lie and do it later. That was in May - I had 7 darn inquiries in May alone, 2 of them were apps for credit!!! All on EFX. I give up!!! Now get this!! I have a hard inquiry on TU from AmEx on June 20th!!!! I have no idea why. I want to call them and stuff keeps coming up - you have to call that dept during business hrs EDT, and everytime I start to do it something happens to stop me, and I forget. LOL. So, to put it briefly, damned if I know anything at all about getting cards. Don't know how I got the ones I have, LOL. Just a fluke I guess. The AmEx reps were wonderful, B of A was ok, Citibank was rude. breeze
Are u to request instant approval only after you call the first time.....??????.....is this like saying the computer doesn't get to calculate your debt ratio? thanks,kev
Fellow Board members, Where did Sph88 and Kittyw1 go after we started asaking questions about AmEx? Sounded like customer reps who wanted to generate apps! Hey, you two if you're out there answer our questions. Annie
What questions were not answered?I am sorry I do not live on this board!Please ask again! No,I do not work for amex!
Kevin, the computer will probably calculate your ratio's but a PERSON will make the approval decision!
If you are rebuilding, I was told that you must have at least 1 positive trade line that is 2 years old.If you have information to add please do!
To be more specific, I was told that you need the 2 year history for a revolving line.I do not know what they require for the charge accounts.I think the green is easier than any of the revolving accounts.
Yes, any bk will trigger a denial. I have perfect payment history for over 4 years, since my bk-13. Will this mean I will be apprroval for an AMEX Green. NOT!!! Best regards, Sam Just Say No to Junum!
You never know what will happen if you explain your situation to a person that can overide the computer!
Sph88, I did not intend to sound mean, but to get all those cards in such a short time with those high limits , I have to wonder. But this is America and anything and everything does happen. But I appreciate your tips and please keep visiting the board. annie
I do not work in Cust. Svc for AMEX. If I did I would approve all of you guys. ROFLMAO!!! Here is the AMEX list of Execs: Write away Alfred F.Kelly Jr President of US Consumer Card Services Group Member of AMEX Planning and Policy Committee George L. (Chuck) Farr Vice Chairman American Express Company Richard Karl Goeltz Vice Chairman and Chief Financial Officer American Express Company Jonathan S. Linen Vice Chairman American Express Company BUSINESS EXECUTIVES Steven W. Alesio President Small Business Services, Consumer Travel and Government Card Anne M. Busquet President American Express Relationship Services Edward P. Gilligan President Corporate Services William J. Heron, Jr. President American Express Financial Direct David C. House President Establishment Services Worldwide David R. Hubers President and Chief Executive Officer American Express Financial Advisors Carl B. Lehmann President American Express Stored Value Group Phillip J. Riese President Consumer Card Services Group Thomas O. Ryder President TRS International John A. Ward, III Chairman and Chief Executive Officer American Express Bank CORPORATE EXECUTIVES Ursula F. Fairbairn Executive Vice President Human Resources and Quality John D. Hayes Executive Vice President Global Advertising Allan Z. Loren Executive Vice President and Chief Information Officer Louise M. Parent Executive Vice President and General Counsel Thomas Schick Executive Vice President Corporate Affairs and Communications BOARD OF DIRECTORS Daniel F. Akerson Chairman and Chief Executive Officer Nextel Communications, Inc. Anne L. Armstrong Chairman of the Board of Trustees Center for Strategic and International Studies Edwin L. Artzt Chairman of the Executive Committee The Procter & Gamble Company William G. Bowen President The Andrew W. Mellon Foundation David M. Culver* Chairman CAI Capital Corporation Charles W. Duncan, Jr. Chairman Duncan Interests Harvey Golub Chairman and Chief Executive Officer American Express Company Beverly Sills Greenough Chairman Lincoln Center for the Performing Arts F. Ross Johnson Chairman and Chief Executive Officer RJM Group Vernon E. Jordan, Jr. Senior Partner Akin, Gump, Strauss, Hauer & Feld, LLP Drew Lewis Chairman and Chief Executive Officer Union Pacific Corporation Aldo Papone Senior Advisor American Express Company Frank P. Popoff Chairman The Dow Chemical Company ADVISORS TO THE BOARD OF DIRECTORS Hon. Gerald R. Ford Former President of the United States of America Robert L. Genillard Vice Chairman of the Supervisory Board TBG Holdings N.V. Josei Itoh** President Nippon Life Insurance Company Henry A. Kissinger Chairman, Kissinger Associates, Inc. Former Secretary of State of the United States of America
