AMEX rejection

[N0mad]

The last time I applied 3 months ago, I actually got a call at like 7am in the morning from someone with a very Australian accent (or very good at faking one) asking me to verify some details. Then, I was declined on the phone.

I suppose that this was better than getting auto declined. Maybe I'm in with a chance after 0 new ccs in the past year, not even churning energy providers!

this worked for me so hopefully does for you too.

 

[Airbumps]

I applied again yesterday and got the 5-10 business day email. Called them this morning and told not approved.

Last AMEX application was 4 months ago, haven't opened or closed a card since November 2024 but prior to that churned 4-5 a year. This is the 4th time AMEX have rejected me with applications every 5-6 months over the past 20 months or so.

Clearly Im still very much on their churning cough list.

 

[MooTime]

Gee I'm due to cancel my amex velocity platinum, I may never get one again by sounds of this thread.

Cancelling due to removal of centurial lounge passes removal. Dog act.

 

[infrequent_flyer]

Just to add another data point here, partner and myself both rejected by AMEX. Both applied for the AMEX Velocity card to take advantage of the 30k bonus points during April. I've churned 3 cards in the last 12 months, she's done 2. Both on decent income, good credit score and repayment history, paying balances in full etc.

She's had an AMEX 5+ years ago and I've never had an AMEX but clearly the churning was a factor. Applied for Virgin Velocity High Flyer and was approved on the same day I found out I was rejected by AMEX

 

[Bacchus71]

Just to add another data point here, partner and myself both rejected by AMEX. Both applied for the AMEX Velocity card to take advantage of the 30k bonus points during April. I've churned 3 cards in the last 12 months, she's done 2. Both on decent income, good credit score and repayment history, paying balances in full etc.

She's had an AMEX 5+ years ago and I've never had an AMEX but clearly the churning was a factor. Applied for Virgin Velocity High Flyer and was approved on the same day I found out I was rejected by AMEX

Exactly the same situation here. Partner and I applied for the AMEX Velocity Platinum Card, both with excellent six figure salaries, excellent credit scores, no kids and low mortgage, but for the first time we were rejected with no decent explanation. We were quite shocked to receive the rejection letters to be honest.

 

[Dr Ralph]

Exactly the same situation here. Partner and I applied for the AMEX Velocity Platinum Card, both with excellent six figure salaries, excellent credit scores, no kids and low mortgage, but for the first time we were rejected with no decent explanation. We were quite shocked to receive the rejection letters to be honest.

Don't be shocked or take it personally. It's most certainly not embarrassing. It's all a game. I've detailed my (very few) rejections here:

Credit Card Offers - Citi Premier Sign-Up Bonus Offers & Discussion

Credit Card Offers - G&C Mutual Bank Platinum Visa Credit Card. 50,000 bonus QFF points for a new card.

The game is always changing. Play hard! Massive point earning opportunities have moved on from credit cards, and you should too.

 

[Bacchus71]

Don't be shocked or take it personally. It's most certainly not embarrassing. It's all a game. I've detailed my (very few) rejections here:

Credit Card Offers - Citi Premier Sign-Up Bonus Offers & Discussion

Credit Card Offers - G&C Mutual Bank Platinum Visa Credit Card. 50,000 bonus QFF points for a new card.

The game is always changing. Play hard! Massive point earning opportunities have moved on from credit cards, and you should too.

Thanks for the response Dr Ralph. I think what is the must frustrating for me is the lack of explanation; it simply just doesn't make sense why the rejection and hence is hard to stomach.

But what are these massive point earning opportunities outside of the sign on bonuses of credit cards you refer to?