"Your application was processsed using a credit scoring system which assigns numerical values to the information on your credit bureau file and provided on your application. Your application did not score enough points to qualify for an American Express Card at this time for the following reasons: Insufficient established credit. Proportion of loan balances to loan amount is too high. Too many accounts with balances. Excessive amount owed on accounts." I just now got an offer in the mail from Amex saying I have been pre-approved for an American Express card and that the $55 annual feel would be appear on my first statement. Is it possible to be rejected by Blue while still being accepted for the classic green card with the hefty annual fee? I have run up alot of debt recently, including a $24,000 vehicle because I just got all the negatives purged from my credit history and am making up for lost time. I am making enough money to pay my debts and am not at all "overextended" as American Express believes. Any ideas?