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Showing results for tags 'AMEX recon'.
Found 2 results
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First, the good news...I must not be blacklisted as they accepted my application (burned them for about $7000 about 7 years ago). However, I did get a denial, so I called for a recon. I spoke with a very polite CSR who was very open and helpful about the reasons for the denial. He said that my EX score was not high enough for them, (624) and he said that in his experience, scores needed to be at least 675 to qualify for the Blue cards. I asked if there was a better card for me to have applied for and he suggested the Green card (if I wanted a charge card) because the criteria was not as high for that card. He also suggested that if I wanted a credit card, that I should apply for the Everyday Card because it would be easier to get than the Blue Card as well. He did mention that they would look at my past history with them as a part of the approval process, but it was not the reason for the decline. He also suggested that I pay down some balances on my cards to get to a better usage percentage (currently at 50%), but I have a $14,000 NFCU card and a $15,000 LOC with NFCU that are not showing yet, so I will lay low for about six months and try again. Also, he answered another question that I have seen batted around here, and that is that there is a 30 day freeze on any new apps with them regardless of the card applied for.
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I applied for a delta gold on the 24th of July and to this date it still shows "in progress". They triple pulled me immediately that day and every time I call in (once every few days) they state it's being reviewed and if they need more information they will call me. Does anyone have experience with it taking this long?
