American Express offers a wide variety of credit and charge cards – meaning it might not be as exclusive as it once was considered. If it’s greater than $5,000, the max you can transfer is $5,000. So don’t throw away mail from American Express! My wife and I filed for bankruptcy together at the same time . Instead, apply for one of the many other strong credit cards on the market. 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 work 2 jobs and I was only going to use the credit card to pay my bills so I can bill my credit up. Update: Some offers mentioned below are no longer available. There were 2 accounts removed as a result of my disputing them on EXPERIAN(bureau stated in denial later). Keep in mind that we cannot guarantee we will change our decision. Table of Contents. 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. Compare American Express credit cards. Then I applied for the American Express Hilton card and got approved . 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 . 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. His business charges around $20,000 per month to the card, allowing him to accumulate rewards quickly and easily justify the $450 annual fee. One of the biggest concerns consumers have when applying for a new credit card is whether or not they will be approved. Please call us at 1-800-567-1083 if you'd like us to review our decision. 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. Applying for a new credit card should be a pretty straightforward process. If your Card application was declined, we realize this may not have been the outcome you had hoped for. Here are some of the best credit card choices from American Express. Before contacting them, items GetHuman … Then I applied for the American Express Hilton card and got approved . American Express limits the number of credit and charge cards you can have at one time to 4. But despite this, the company later denied my application. Pre-qualified and Pre-approved offers are one way to avoid applying for a card only to find your application is denied. Apply online quickly and easily. How to get an American Express® cash advance. This is a third-party tool that performs a soft pull on your credit in order to show pre-approved offers. 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. I have a 10 year bankruptcy and i am only on the 6th year . 4 years to go until its off my report . FTC Disclaimer: The information found on this website is provided and intended for information and entertainment purposes only. (Even if your application is still pending, you can call the reconsideration line for an immediate decision.) What happened, and what can I do now? 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. First: share to improve GetHuman-damadake's odds. American Express typically doesn’t match welcome offers. Related reading: The ultimate guide to credit card application restrictions. If you've been denied a small business credit card, don’t worry too much. CardMatch Tool. A handful of reports indicate that American Express may deny your signup bonus, even if you did not get the pop-up warning. 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. I was not automatically approved for either credit card, but I kept checking my application status online. Reply 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. You can then use that PIN at ATMs. Approval Factors for the American Express Platinum. If your application was denied, you can call the American Express reconsideration line and ask them to reconsider. I then added my new card to my Apple Wallet (and used it twice last night). Then 3 months … After something like 2-3 weeks, I discovered that I was denied for the Starwood Business card. 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. Optimal Strategy 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. 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. 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. 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. 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. 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. Reasons why you may get denied Check Your American Express Pre-Qualified Offers Online. If you are approved for an American Express card, you’ll be assigned a credit limit. A RED VENTURES COMPANY. Spoke with numerous people from Feb-May at American Express. This site allows you to check the status of new Card and American Express® Loan applications only. Help with my American Express issue. 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. You find a card that you’re interested in, you put in your personal information, and you hit apply. 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." A simple way to find out your balance transfer limit is to multiply your credit limit by 0.75. 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. 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. 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. Here's some steps you can take to be approved for the right card for you. 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. So now i got 2 cards . Q: I was thrilled that American Express pre-approved me for a credit card. Then, if the number is less than $5,000, that’s the maximum you can transfer. If things go well, you’ll be approved instantly. American Express then offers this card as an option once these balances have been settled. THIS PAGE MAY … It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Companies respond better when others are watching. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. 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. View the current offers here. The card details have not been reviewed or approved by the card issuer. 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 . You can also try to bring up pre-qualified offers via the CardMatch tool. In this article, I will give you a comprehensive look at all of the American Express Application rules. 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. However, I was premature in sending a letter to BATR VISA to be reevaluated since 1 was updated immediately over the phone and the … For details on why your card was denied, please contact your credit card issuer's customer service department. then click Continue or i get this message:This credit card has been denied by the bank that issued your credit card. Strength in numbers! The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. $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. Sometimes American Express sends out special RSVP codes that allow you to access increased offers for credit cards. Eventually, (I think it was 1-2 weeks) I was approved for the Starwood personal card. However, don’t give up, either, if American Express denies your application. Grutman remembered the night too: "We were in the back because his credit card was denied… I was recently denied credit for the Bank of America Travel Rewards Visa. 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. He’s since been approved for The Business Platinum® Card from American Express, which is a top-shelf business card with premium perks. American Express Cards. 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. The only request on their site is for SCRA which I was denied for being on Active Duty. I did and was approved for a $1000 limit with mileage bonus rewards.