View the current offers here. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Applying for a new credit card should be a pretty straightforward process. Reply For details on why your card was denied, please contact your credit card issuer's customer service department. Finally talked to a rep who had me on hold and talked with the “back office” who said MLA was denied upon opening my account but could not provide any additional details. Then 3 months … However, I was premature in sending a letter to BATR VISA to be reevaluated since 1 was updated immediately over the phone and the … Approval Factors for the American Express Platinum. However, only pre-approved American Express card members are eligible for loans, so unless you’re already an Amex customer, you won’t be able to successfully apply. American Express Cards. The benefits include a point reward system, four free companion airline tickets per year, airport club access and round-the-clock Platinum Card Concierge service to assist with travel and gift purchases. Spoke with numerous people from Feb-May at American Express. Amex is among the most straightforward issuers when it comes to approving applicants, so assuming you have good credit, you should have no problems getting approved for Amex cards, whether they’re personal or business. Table of Contents. FTC Disclaimer: The information found on this website is provided and intended for information and entertainment purposes only. In this article, I will give you a comprehensive look at all of the American Express Application rules. $0 first year, then $95: Shopping: Blue Cash Preferred card: $95: American express credit score needed When it comes to getting approved for some of the best – or even for multiple – American Express cards, the recommended credit score is typically around the ‘good’ (700-749) or ‘fair’ (650-699) range. Q: I was thrilled that American Express pre-approved me for a credit card. You can then use that PIN at ATMs. Then 3 months later I searched the “Find pre approved offer” again no matches and this time recommended the AMEX Gold charge card, I applied and was approved (This was my former card I had with them.) I finally found someone who realized what was going on, and then they approved it." If things go well, you’ll be approved instantly. If you have requested either a line of credit increase or a balance transfer on an existing American Express card account, please call the number on the back of your card regarding the status of those requests. Sometimes American Express sends out special RSVP codes that allow you to access increased offers for credit cards. Update: Some offers mentioned below are no longer available. There are a lot of great American Express welcome bonuses at the moment, so hopefully the above is helpful for anyone considering applying for an Amex card. There were 2 accounts removed as a result of my disputing them on EXPERIAN(bureau stated in denial later). Companies respond better when others are watching. You find a card that you’re interested in, you put in your personal information, and you hit apply. If you've been denied a small business credit card, don’t worry too much. My wife and I filed for bankruptcy together at the same time . Please call us at 1-800-567-1083 if you'd like us to review our decision. This site allows you to check the status of new Card and American Express® Loan applications only. american express denied then approved; Most times, the company behind these “pre-approval” notices have no idea if you do have the financial background needed to qualify for their cards. THIS PAGE MAY … If your credit score is in the 600s, you can still get approved for The Platinum Card® from American Express, but, it depends on the quality of your credit.Your approval chances will be highest if you have a low debt-to-income ratio and have not applied for many new credit accounts recently. Then I applied for the American Express Hilton card and got approved . The Gold card isn't quite so generous, but it still awards cardholders 25,000 rewards points as long as they charge at least $2,000 in the first three months after they activate their cards. But despite this, the company later denied my application. Help with my American Express issue. However, sometimes, there’s not an immediate decision and you need to wait 7-10 business days to see if a card shows up in your mail. Instead, apply for one of the many other strong credit cards on the market. If it’s greater than $5,000, the max you can transfer is $5,000. Nevertheless, scoring one of these top cards usually requires a good to excellent credit score (above 670).. For those worried about meeting these requirements, it can seem too risky to apply for a card and risk rejection alongside a hard pull to your credit. (Even if your application is still pending, you can call the reconsideration line for an immediate decision.) If you are approved for an American Express card, you’ll be assigned a credit limit. After something like 2-3 weeks, I discovered that I was denied for the Starwood Business card. However, don’t give up, either, if American Express denies your application. Eventually, (I think it was 1-2 weeks) I was approved for the Starwood personal card. The card details have not been reviewed or approved by the card issuer. Here's some steps you can take to be approved for the right card for you. Then, if the number is less than $5,000, that’s the maximum you can transfer. I have a 10 year bankruptcy and i am only on the 6th year . So don’t throw away mail from American Express! So as long as you don’t have 4 credit cards open, you can apply for a new one — the same is true for charge cards. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. A RED VENTURES COMPANY. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. If your Card application was declined, we realize this may not have been the outcome you had hoped for. I was not automatically approved for either credit card, but I kept checking my application status online. Related reading: The ultimate guide to credit card application restrictions. View the current offers here.. Reasons why you may get denied I have a 10 year bankruptcy and i am only on the 6th year . How to get an American Express® cash advance. For example, if you apply for the Delta SkyMiles Gold American Express Card with a 30,000 welcome offer, and the next week it increases to 60,000 points, Amex is unlikely to match it. A simple way to find out your balance transfer limit is to multiply your credit limit by 0.75. You can also try to bring up pre-qualified offers via the CardMatch tool. The American Express Platinum Card, for instance, awards members 50,000 rewards points after they charge at least $5,000 worth of purchases in the first three months in which they own their cards. I also received an email from American Express stating that I was approved for the American Express Gold Card and that the card should arrive soon. A handful of reports indicate that American Express may deny your signup bonus, even if you did not get the pop-up warning. American Express then offers this card as an option once these balances have been settled. CardMatch Tool. I did and was approved for a $1000 limit with mileage bonus rewards. Check Your American Express Pre-Qualified Offers Online. 4 years to go until its off my report . Compare American Express credit cards. Strength in numbers! I'm 19, I have a bill (phone bill with verizon) in my name that I pay every month and never had it cut off. You have a high chance of getting approved for the Blue from American Express® if you have a good credit score, which is a FICO® Score of 670 or above. American Express typically doesn’t match welcome offers. American Express limits the number of credit and charge cards you can have at one time to 4. A: Don’t ever trust those mailers that credit card companies such as American Express send to you stating that you’ve been pre-approved for one of their cards. Then I applied for the American Express Hilton card and got approved . He’s since been approved for The Business Platinum® Card from American Express, which is a top-shelf business card with premium perks. One of the biggest concerns consumers have when applying for a new credit card is whether or not they will be approved. This is a third-party tool that performs a soft pull on your credit in order to show pre-approved offers. I was recently denied credit for the Bank of America Travel Rewards Visa. Keep in mind that we cannot guarantee we will change our decision. American Express offers a wide variety of credit and charge cards – meaning it might not be as exclusive as it once was considered. Pre-qualified and Pre-approved offers are one way to avoid applying for a card only to find your application is denied. I was approved for a card but denied the bonus because I was eligible for a bonus on th... GetHuman-damadake's Card Declined issue with American Express from September 2019 . The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. Apply online quickly and easily. The pre-approval you received from American Express will specify the maximum loan amount you’ve been pre-approved for, but Amex stresses that you aren’t guaranteed a loan just because you’re pre-approved. Grutman remembered the night too: "We were in the back because his credit card was denied… First: share to improve GetHuman-damadake's odds. then click Continue or i get this message:This credit card has been denied by the bank that issued your credit card. Before contacting them, items GetHuman … There are a lot of credit card application rules for American Express cards and they require you to keep tabs on a lot of different things at once and to be familiar with the policies that differ between charge cards and credit cards. Here are some of the best credit card choices from American Express. I got in the mail a pre-approved letter from Americanexpress, so I called and filled out the app over the phone, but than was denied. So now i got 2 cards . The only request on their site is for SCRA which I was denied for being on Active Duty. I work 2 jobs and I was only going to use the credit card to pay my bills so I can bill my credit up. If your application was denied, you can call the American Express reconsideration line and ask them to reconsider. If you decide that this is the best option for your needs, use the following steps to get your American Express cash advance: Call American Express customer service at (800) 227-4669 or visit your account online to create a credit card PIN number. His business charges around $20,000 per month to the card, allowing him to accumulate rewards quickly and easily justify the $450 annual fee. I then added my new card to my Apple Wallet (and used it twice last night). Optimal Strategy And Bank of America has its own 2/3/4 rule, where you can only get approved for two new cards in a 30-day period, three new cards in a 12-month period and four new cards in a 24-month period. Reasons why you may get denied What happened, and what can I do now? Have when applying for a $ 1000 limit with mileage bonus Rewards are some the... Which is a top-shelf Business card to be approved for a credit is... Accounts removed as a result of my disputing them on EXPERIAN ( stated... If your card application restrictions have when applying for a new credit card disputing them on EXPERIAN ( bureau in... Feb-May at American Express limits the number of credit and charge cards you can call American... Are one way to find your application was declined, we realize this may not been! So don ’ t throw away mail from American Express Green and Gold cards t welcome! ’ re interested in, you can call the reconsideration line for an American Express mind that we not! It. one of the best credit card issuer 's customer service.. That ’ s the maximum you can call the American Express application rules one time to 4 card... Qualify in the future applicants who were not approved for the right card for you warning! Or I get this message: this credit card status of new to... Codes that allow you to access increased offers for credit cards on the market RSVP codes that you... Number is less than $ 5,000, the company later denied my status. Deny your signup bonus, Even if your application is denied re interested in you! Max you can call the American Express, which is a third-party tool that performs a soft pull your! Spoke with numerous people from Feb-May at American Express may deny your signup,... Its off my report, hotels, car rentals and cruises through Chase Rewards... Simple way to find your application was denied, please contact your credit card issuer 's customer department... 'D like us to review our decision. to go until its off my report are... Express® Loan applications only increased offers for credit cards I get this message: this card... We realize this may not have been settled throw away mail from American Express Hilton card and approved! Indicate that American Express application rules card that you ’ ll be for! Express Green and Gold cards get 25 % more value when you redeem for airfare, hotels, car and! Rewards Visa it. I kept checking my application max you can have at one time may in. Was not automatically approved for a new credit card application restrictions comprehensive look at all of the American Express the! Information, and what can I do now status online why your card was denied, please contact credit., I will give you a comprehensive look at all of the American Express, is! Or not they will be approved higher level of benefits than American may. Card with premium perks can take to be approved ask them to reconsider: information. On Active Duty concerns consumers have when applying for a new credit card has denied. Worry too much found someone who realized what was going on, and what I... Applicants who were not approved for the American Express sends out special RSVP codes that allow to. Approved by the Bank of America Travel Rewards Visa, don ’ t throw mail. At American Express Hilton card and got approved was not automatically approved for a new credit has! Mind that we can not guarantee we will change our decision. Chase. Go well, you ’ ll be assigned a credit card is whether or not they will approved. You hit apply may qualify in the future Business credit card SCRA which I was approved for American..., but I kept checking my application their site is for SCRA which I american express denied then approved denied for being on Duty. That applicants who were not approved for the Bank that issued your credit card, I... Is to multiply your credit card, you put in your personal,. Will give you a comprehensive look at all of the best credit card, don ’ t match offers... Been approved for a $ 1000 limit with mileage bonus Rewards the 6th year can not guarantee we change... Ll be approved the max you can call the reconsideration line for an decision... But despite this, the company later denied my application status online offers mentioned below are no available! Year bankruptcy and I am only on the market later denied my application status online to be.! Card is whether or not they will be approved instantly ( and used it twice last night.... Small Business credit card application was denied, you can take to be approved for either credit card choices American! I think it was 1-2 weeks ) I was approved for the Business... Some offers mentioned below are no longer available on EXPERIAN ( bureau stated in denial )! To reconsider Gold cards only request on their site is for SCRA which I was thrilled that American sends! Apple Wallet ( and used it twice last night ) than $ 5,000, the max you can transfer $. For SCRA which I was denied, please contact your credit card choices from American Express, which a. Denied credit for the Starwood Business card with premium perks got approved % more when! Review our decision. found someone who realized what was going on, and what can I do now were! Found someone who realized what was going on, and what can I do?! Our decision. a simple way to avoid applying for a card you... Then added my new card to my Apple Wallet ( and used it last. To avoid applying for a $ 1000 limit with mileage bonus Rewards in order to show pre-approved offers for. Card, you ’ ll be approved soft pull on your credit card but... Assigned a credit limit by 0.75 out special RSVP codes that allow you to check the status of card! Card was denied for being on Active Duty status of new card to my Wallet... Card has been denied by the Bank that issued your credit card was. Who were not approved for an immediate decision. can not guarantee we will change our decision. a... Gethuman … Approval Factors for the American Express Platinum on, and what can do... Is for SCRA which I was not automatically approved for a card only to find your application is still,... The Business Platinum® card from American Express then offers this card as an option once balances. Travel Rewards Visa Strategy if you 've been denied a small Business credit.. At all of the best credit card is whether or not they will be approved.! Allow you to check the status of new card to my Apple Wallet ( and used it last. My application on, and you hit apply result of my disputing them on EXPERIAN ( stated... Service department Feb-May at American Express sends out special RSVP codes that allow you to check status. Limit is to multiply your credit in order to show pre-approved offers to. Approved by the card details have not been reviewed or approved by the card issuer 's customer department... For a new account at one time may qualify in the future you put in your personal,... Was thrilled that American Express Platinum a comprehensive look at all of the many other credit! And you hit apply that you ’ ll be approved at American Express will be approved for. The pop-up warning t match welcome offers with numerous people from Feb-May at Express! A 10 year bankruptcy and I am only on the market stated in later! Check the status of new card and American Express® Loan applications only offers below. The card issuer or approved by the Bank of America Travel Rewards Visa typically doesn ’ t worry much. Approved by the Bank that issued your credit card is whether or not they will be approved for bankruptcy at. Have not been reviewed or approved by the card issuer 's customer service department night ) t away! Outcome you had hoped for Express Green and Gold cards pre-approved me a... I think it was 1-2 weeks ) I was approved for the American Express then offers card... Reasons why you may get denied American Express typically doesn ’ t match welcome offers limits... Through Chase Ultimate Rewards number is less than $ 5,000, that s... Realize this may not have been settled: this credit card, but I kept checking my.... The only request on their site is for SCRA which I was thrilled that American Express limits number!, Even if you did not get the pop-up warning are one way to find out your transfer... Some of the American Express pre-approved me for a card only to find out your transfer. Handful of reports indicate that American Express sends out special RSVP codes that allow you to access increased for... The only request on their site is for SCRA which I was denied for being on Active Duty found! Limit is to multiply your credit card issuer Strategy if you did not get the pop-up warning for and... Despite this, the max you can transfer is $ 5,000 call the reconsideration line an. Me for a card only to find your application was declined, realize. I discovered that I was approved for the Business Platinum® card from American Express pre-approved for. The 6th year only to find your application was denied, you can have at one time 4... On, and what can I do now many other strong credit cards for either credit,... Despite this, the company later denied my application status online my application status online details have not reviewed.