Credit Tips: Credit Card Denial From American Express

Posted On: July 19, 2006

Author: nefertiti66
Posted: Wed Jul 19, 2006 1:06 pm
Post subject: AMEX

I was just denied the blue cash rewards card.

Reasons:
Insufficient utilization information
too few established accounts-length of time accounts have been established.

Can I reapply online for the green card without a second hard pull or should i just give up for now until my cap1 card can show some history for 6 months.

Author: mantras
Posted: Wed Jul 19, 2006 1:53 pm
Post subject:

Is the cap1 card your only credit card so you have a short period of history? If so you probbaly won’t be approved for an amex at this time. If you can apply for green without a hard pull it probably would be worth it, but can you? Also you realize the green card is not like the blue.

Author: nefertiti66
Posted: Wed Jul 19, 2006 1:58 pm
Post subject: Credit Card Denial From American Express

I realize the green is different, but do you think they will deny me?

My cap1 card is the only one i have now. I just got it yesterday.
Maybe ill just wait 6 months and try to apply for the amex blue cash again and also for the citi dividend card i want.

Author: mantras
Posted: Wed Jul 19, 2006 2:23 pm
Post subject: Credit Card Denial From American Express

I doubt you will be approved at this time, but I don’t have any experience with green. I would focus on building credit with your new cap1 for now and trying to apply for more in 6 months may be a good plan. Just keep keep your current credit in good order.