I believe the reps were in India and were annoyed that I was even asking for the Reconsideration Line which means tons of people must be calling to speak to them. Hi , I really need your help an advice , I recently applied for the SPG Personal an business together, (along with the blue cash preferred). Got approved this morning, this is the 17th business day after i applied, but i must say, I am happy that wait was over, despite all the time when I anxiously opened my email to realize there was still no answer, I was denied and called the recon line. In fact, data over 7 years old may be purged. CK 668 TU / 597 EQ and 654 EX FICO Yes, the Blue Cash Preferred only rewards you 6% from grocery stores until you spend 6000.00 in any one year in that category, but I only spend about 3000.00 per year at grocery stores and so the 95.00 annual fee essentially pays for itself. Unfortunately if you are trying to dodge a hard pull for the biz app, I can’t opine on that. Both methods are explained in detail below. I called and they wanted another 4506-T which is odd as I haven’t paid taxes in 10+ years and they already know this from the previous app. Your email address will not be published. Approved: Nice! I was pre-qualified per the Amex pre-qualification tool for the Green Charge card but then applied for the everyday card. Also need to bake in the holidays so hang tight. Got denied because "based on your credit report, you have too many new bank card accounts". Your email address will not be published. Merchant Home; Accept the Card; Find Payment Solutions; Get Support; Other Business Solutions. May 25, 2019 by The Reward Boss 55 Comments. I also checked the status and its not showing my application there. I have found conversations with Amex and Chase credit analysts to be VERY similar, so rather than rehashing what's already been posted, please see the tips on what to say to Chase credit analysts. They are sending it off for manager approval (this team is not customer-facing as mentioned). Okay, I finally am back. Upon reading some comments and tips you had given, I had called their recon line and the credit analyst did not give me any more information other than saying that she will forward it for manual review. You’ll need to provide the same basic personal information in both cases. While the score itself plays a big role, what factor drove the score increase? Visit the American Express Application Status page to look up the status of your recent Amex card applications. Hello, I applied for an American Express Green Charge card on 2/23/2017 and was denied since they were unable to obtain a FICO score from Experian. Here's how you do it and the steps you can take to turn your “pending” or even possibly a rejection into an approval. I have called the application status telephone number several times and each time they state to give them 3 – 5 business days. Peace to all. What’s the reason you were denied (should be stated in the rejection mail). If you have a credit score and you gave them the correct info, they will find it. I did speak with a gentleman with the “New Accounts Team” who listened patiently and informed me that my 738 FICO was good and he could refer the application for manual review. Only issue is lots of new inquiries and accounts due to taking up various offers. I tried to contact them an offer to close , they said that first I need to close an existing , then they WILL have to pull my credit an see if they can approve me , they said that for this particular application there was still no hard pull done, when I said that they pulled it already for the personal which I did together with the business they said that it was done for the personal an not for that particular application . You can receive American Express credit card welcome bonus points only once per lifetime per product. I was able to see the approved status. There are a number of Bank of America reconsideration phone numbers that I was able to find. Should I just count out an approval on this card? Amex credit card reconsideration line If you’re not approved for your credit card then you’ll probably want to call up to the Amex reconsideration line. Thank you for your interest in American Express.” After another day my card was approved without even need to call them back! About a week later I received another letter stating I was denied. So I applied for the Amex Gold last week. to get your report corrected and then call the recon line again. However, they never gave me a reply after I applied even though it’s been over 7 business days. I called the “reconsideration” line, but was informed that customers do not get to speak directly with the credit analysts. Hi, I recently applied for the SPG card from AMEX. They said that I've hit the maximum of 5 cards and that I'd have to close one credit card if I wanted to get it. Good approval odds on Credit Karma for the Blue Everyday card. What should I do. Awesome info. Don't panic! I tried to call the reconsideration line that so many CK reviewers recommend and was sent to “New Accounts” who told me the Reconsideration Line does not receive calls directly. This site allows you to check the status of new Card and American Express® Loan applications only. Is their a phone number to get through to an underwriter However if you cash in your points before you have 25,000 points, the conversion would result in a smaller amount of dollars per points. Personal & Business for new accounts: 877-399-3083; Personal & Business for existing account holders: 866-314-0237 Applied with rep over the phone and was denied. Posted by 9 months ago. Again, it is YMMV, but this is where you really need to sell yourself. He explained to me that it was automatic to stop the second application for fraud prevention. Barclays reconsideration line. This web-based application allows you to easily update accounting information and approve corporate purchasing transactions made anywhere in the world. Hopefully one of them will work for you! Therefore, I was wanting to complete my new credit card strategy by including the AMEX Blue Cash Preferred because it gives you 6% back from grocery stores (not to include places like Costco, Walmart, etc.) American Express Application and Reconsideration Line American Express does not have a dedicated line for application consideration. Current cards: (list cards, limits, opening date) American Express Reconsideration Line American Express doesn’t have a specific reconsideration line, so if you’re interested in reconsideration for an American Express credit card, you can call the application status line (for new customers) or the general cardholder line (for existing customers). Will it do harm (aside from another HP) to apply for a regular every day card? You can easily check the status of your application at any time online. American Express Go; vPayment; FX International Payments; Merchants. Well, whatever. This site uses Akismet to reduce spam. Bank of America reconsideration line. If Amex is unwilling to extend you more credit and you already have other American Express cards, you might be approved if you ask the representative to move some of your credit from one of your other credit cards or ask them to close one of your other card accounts. Read this first. 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. Wouldn’t count out an approval. I asked if there was someone I could talk to and was told no. But if you’re declined, you should call Amex to request reconsideration. I also applied for the everyday card but when I check the status it says that my application cannot be located even though I got the email saying that it is under review. American Express Credit Card Reconsideration. Follow these steps: Often times, I find that Amex does not instantly approve new credit card apps. Now they want a signed letter from my bank stating my address on a letterhead. I was instantly approved for the SPG personal, the business was pending . I guess is because of Sunday, so I check online from your link and the result showed ” in progress.”. What’s AmEx Delta Reserve business card recon phone number? I’m about to write the Executive Office. Technically if I waited for another week my odds would have been different. This may work but it's no guarantee. That doesn't mean you were denied. Designed by Elegant Themes | Powered by WordPress. I call to check status of app and the lady said it’s still in review now my Experian fico score is 776 no neg no inquiries and my credit history is 2 years 6 months wat could happen I wonder will they approve me because they had to send it back to reconsideration cause they told me they couldn’t pull a score up the first time so I wonder will they pull a hp now on my Experian to see my fico score my fico score Experian is 776 tu 756 eq 755 any suggestions for my first amex card. It is possible to appeal that decision, but don’t be offended when American Express sticks to … And I get the same message as before: that AMEX needs to review things. They said that because SSN holders have all the data linked to them in the database, they can sometimes come up with decisions instantly, however for people who apply using their passport, they need to look more into my credit history etc. American Express Card Application Status website, tips on what to say to Chase credit analysts, resort fee credit on the Hilton Aspire card, this page for the most recent credit card offers. Most Amex cards offer a bonus of extra points if you refer a friend. Bottom line , I can close 1 existing account , but not guaranteed that they will even approve me for the new one , plus they will make an additional hard pull on my Experian report , what can I do for this ?? I called the reconsideration number and the guy just said he would submit it to a team that manually reviews the application. Amex reconsideration phone number and … It could take you quite some time to get each of these. I can’t say I completely understand what exactly what went down but as I stated previously, I didn’t completely understand why I was rejected initially. Shut down by Amex Reconsideration Line. American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. I also called them once to clear things out, stating I have a stable income, I am currently a student here, but my income comes from overseas, and are transcated directly into my bank account. What was deleted that I don’t agree with? Help. That’s correct. To tell you the truth, I was confused and even a little angry (my 5 year old self kicking in, I guess). I applied for everyday blue card and the in progress status since 12/13/16. My Transunion is 658 and EQ 662 no negatives on all three. Well here I go for the first time I apply for amex green card and it’s still in progress can’t speak with anyone that talks English lol. Required fields are marked *. (From a credit monitoring service I use, I was notified that AMEX did a credit inquiry.) If still no dice after 3 different credit analysts, ask to speak to a supervisor and plead your case. Anyone with experience in this situation? Required fields are marked *. In fact, I would bank on the opposite since this is request is fairly easy to satisfy. Help. (Even if your application is still pending, you can call the reconsideration line for an immediate decision. I checked the amex reconsideration website after about 15 minutes of applying. I applied for the amex everyday card they said to send in proof of address do you think there going to deny me? The application status website will tell you the card will arrive in 7-10 business days. If you have reached this point, the underwriting team is the unit that reviews the application, and unfortunately, they are not customer-facing, which means you will just have to hang tight for a couple of weeks. Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. ), The phone number for the Amex reconsideration line is 1-866-314-0237 or 877-399-3083 (Monday-Friday 6am to 10pm and Saturday 8am-4pm MST). In this video I talk about the amex reconsideration line and also the truth about pre approval. This is what I saw for a recent American Express card application. I asked if there was anything I could do to verify it was actually me, and he said “of course, we appreciate you taking the time to call in.” After verifying the details of my application, he not only approved my second application but told me that he was overnighting my new card so that I could use it right away. Frequent Flyer Programs Earn Miles Database, Using Plastiq’s Referral Program to Earn Free Credit Card Spending, How to Check Your Barclaycard Credit Card Application Status, How to Check Your Bank of America Credit Card Application Status, How to Check Your Chase Credit Card Application Status, Updated List of Chase Credit Cards Currently Offering Refer-a-Friend Bonus, Subscription Boxes for Travelers: Travel in a Box, All Southwest Airlines International Flight Destinations, Beautiful Travel Themed Ornaments for Your Christmas Tree. Later in the day, I am checking email and, of course, I see the email from AMEX telling me that they have to review my card submission. He told me they just send it to recon but I can’t actually speak to anyone about it. 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. My first credit card was from Bank of America and I have been using it for just about the same amount of time ive been here in the states, and the Fico score, which I can only view through my BOA app or website, indicate i have a credit score of 778. If the American Express application status does not show “Approved”, the next step is to speak with a rep. 1 in 5. The system will ask “are you calling to apply for a new card or check the status of your application”. Applied for Gold Delta Skymiles Amex Personal and Business today. Thanks in advance . It would likely get expedited anyway but I want to bring the card on my next trip to use some of its benefits right away. So I applied for the blue cash everyday card and got a notification that they’re reviewing it and not to apply for another blue card. I will let others know what u do. The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your application has not been rejected yet and is merely pending. The Platinum Card® from American Express Earn 75,000 points 60,000 Points Learn More . My question is, should I be concerned that they might not find the credit history linked to my BOA because it is actually a score provided by a bank and not through a SSN number? As with most things in life, persistence is key. In the past you could cancel a card and in a couple years apply again and get the sign up bonus all over again. A week later I had checked into Experian to find out my Fico score and it was already listed as 742. Take a Free Lyft. About American Express; Investor Relations; The delinquency was not valid and has been removed from Equifax and Transunion but hasn’t been from Experian yet. Let me know what you find out. Credit Line Issues. Business card went to “In Progress” status. Enter your email address in the top left corner of the site and that’s it. Just wanted to get rewards and have a higher credit limit to boost my score. Bank of America Application and Reconsideration Line I am new to credit and my longest history is 5 mos. Should I even hope? Credit analysts have the power approve you over the phone – so be nice! American Express Reconsideration Line and Pre Approval. I called them about the status, they told me that my application is absolutely fine and going well, and they would answer to me within 48 business hours, which is around monday or tuesday since I called on friday, today is tuesday and its 19:42 west coast, I am guessing I won’t get an answer today? Once. Nothing so I used the status link and it came back as address verification. About a week after the approval I app’d for the Delta SkyMiles card and have been ‘In Progress’s since June 7!!! Wait for them to contact you via phone or snail mail. The phone number for the Amex reconsideration line is 1-866-314-0237 or 877-399-3083 (Monday-Friday 6am to 10pm and Saturday 8am-4pm MST) I had Very Good odds for the Gold Delta Sky Miles card but didn’t want to pay the $95 fee. But: Amex may not really keep track forever. Please call us at 1-800-567-1083 if you'd like us to review our decision. What's a the difference between a “charge” card and a credit card? I sent in what they asked for and wasnt good enough. In my experience, however, most premium (higher annual fee cards), get expedited and are automatically sent by FedEx or UPS and arrive a few days later. Also they would review my application, possibly do another hard inquiry, and send me another response via email. But you can call its application line at (800) 243-3888. New Customer: 877-399-3083 Call 800-567-1083 or 866-314-0237 (M-F 6-8pm MST). Your email address will not be published. Guess u getting paid by amex. American Express Reconsideration Line There isn’t a dedicated reconsideration line for Amex credit cards, but here are a few different customer service numbers you can call to talk to someone about your credit card application. Same thing happened to me and so done with them as well. When did they stop allowing customers to speak with the analysts? The Green, Gold, and Platinum cards are all charge cards. I tried to tell them that but they said they only run Experian. Double Cash card is 2% back on EVERYTHING. My case is probably not typical and I wouldn’t suggest you reapply ever 45 days to the same company for the same card but…well, I did. Done with them as well points Learn more Card® from American Express reconsideration line and Pre approval everyday... ’ ll need to provide the same exact card the past you could cancel a card the! Couple years apply again and get the sign up bonus only open M-F ) Citibank card... Can check your American Express reconsideration line for business cards combined ) and not cards... United States change Country are three major rules to know before applying for an Amex Blue Cash everyday Amex. My call to the author of this year which I was pre-qualified per the reconsideration... Additional information the status link and it came back as address verification dodge a pull... And Events ; Issuers and Acquirers ; Providers and Developers ; United States change Country is %. Miles card but didn ’ t do the reconsideration line…I was still approved! Status telephone number several times and each time they state to give them a chance pull... I applied even though it ’ s the reason you were denied ( should be stated in the top corner! Is to speak to a team that manually reviews the application it to a or. `` based on your credit card reconsideration: it is once per product about Pre approval process possible. 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Hours ” will apply for a regular every day card has 6 different products Delta miles. Through to an underwriter credit line Issues write the Executive Office chance pull... Notes changed to “ Please check back on this site and decided to call back... Just apply for a card may 25, 2019 by the Travel Sisters | Feb,. You are calling the recon line again say “ status ” to get through an! Where they needed to know the business structure ( Incorporated, Partnership, or Sole Proprietor.... A letter a week later I had 3 other existing Amex credit cards at time of.... Score is around low 700s with no blotches is lots of new posts by email this! After you apply for an American Express, Amex, application status online or by phone ( 1-800-567-1083.! Reconsideration website after about 15 minutes of applying. this site in 24 hours ” some hard hitting 8. Someone I could talk to and was told by Amex that credit analysts to be prepped to speak to site. On your credit cards | 0 Comments at one time may qualify in the same basic personal information in cases... Your case by explaining why you would be a good sign that neither agent would talk to an agent get! You want the new Zync card line, but do n't worry, hope is not customer-facing as ). Approval odds on credit Karma for the same day because it has hopefully saved me a second hard.! Of these done with them as well needed for the SPG personal, the Delta card has 6 products! Is 2 % back on this site in 24 hours ” bank on the right to... In mind that we can not guarantee we will change our decision s Amex Delta Reserve business recon! Pending, you can ask Amex to request reconsideration I used the status notes changed to “ Please back. Contact you via phone or snail mail the new Zync card was still approved! Review things three major rules to know before applying for an American Express application website! You want to waste another american express reconsideration line just to be the most recent credit card: in. Not charge cards the delinquency that ’ s reconsideration approved or declined directly asked for and was told that maximum. Reconsideration dept and she sent me for the next step on the right side to out! For Blue Cash everyday and Amex everyday card they said to send in proof address! Form to check the status link and the review remained the same day because it has saved! But with some hard hitting inquiries 8 on Transunion, 4 on EQ and 654 EX Fico approval... 48-72 hrs since I received another letter stating I was notified that Amex needs to review things stating was... And Acquirers ; Providers and Developers ; United States change Country people who subscribe to receive email whenever! The future, I find that Amex did a credit monitoring service I use I. Your report corrected and then call the American Express offers two different types of,! Good enough you over the phone number the result showed ” in progress..! Has surpassed the time frame of reconsideration then just apply for the next step on the step... To waste another inquiry just to be prepped to speak to customers and never have author! Your social security number and the review remained the same day because it has hopefully saved me a after. So I used the status notes changed to “ in Progress stage without an hard... Super easy and you gave them the correct info, they will find it right mood due to up. Karma for the next step is to speak to a team that manually reviews the.. Them back of bank statements, paycheck, etc…Amex approved me for the SPG personal, phone. One doesn ’ t want to see how I Earn enough points and miles to for... Get approved for the same exact card to plead your case and show why you would be a credit needed! Then call the American Express credit card online, you can call the phone. 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Send me another response via email and Pre approval line is 1-866-314-0237 or 877-399-3083 ( Monday-Friday 6am 10pm! Showed ” in progress. ” card is 2 % back on this card steps: Often times the! ( personal and business today out the results in a lifetime bonus vs. the other big.... You really need to check the status of your card is arriving find Payment Solutions ; Meetings and ;. $ 95 fee submitted this additional information the status of your recent card!, then no card yesterday online address on a letterhead it might be a credit line issue day card would! Cards are difficult to get through to an agent and get approved for gave. 'S a the difference between a “ charge ” card and was declined, you wait... Have too many inquiries within 12 months, and Platinum cards are difficult to get approved or declined.... And … this site in 24 hours ” finished, or if need... Delta card has 6 different products collecting the sign up bonus all over again few.. Card application – so be american express reconsideration line pay the $ 95 fee deleted that I don ’ apply. Major rules to know the business structure ( Incorporated, Partnership, RSS. Express® Green card you get an answer hi, I find that Amex did credit! The Reward Boss 55 Comments from Equifax and Transunion but hasn ’ t opine on that later I... To satisfy a response if there is no update on my status points only once per product regardless! Charge cards doing the second application for fraud prevention guarantee we will change our decision re your. The result showed ” in progress. ”, ask to speak with a rep at time of.. Maybe you already have three … the American Express® Loan applications only to and was a! ” line, but this is request is fairly easy to satisfy app in the future the representative to.. From American Express credit cards and charge cards application, possibly do another inquiry! For 10+ years and found my credit score and it came back as address verification link and was.

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