AMEX Application Process Failures + Contact

[MelbFlyer]

I think given their rejection and lots of own experience posts in this thread - I won't be considering AMEX at all moving forward.

100k bonus QFF points is good, but with a high annual fee (even despite a $450 travel credit to "offset") and limited places to spend on - some places accept only Mastercard or VISA, it's probably not worth it.

My BoM card "only" awards 60k bonus QFF points after $3k of eligible spend (same as the Qantas AMEX one), but with a much lower annual fee and most importantly, got approved and wasn't rejected for no good reason.

 

[sudoer]

Mrs sudoer just received her QF Ultimate rejection letter with the same credit reporting line.

She's closed 3 cards in the last 12 months and has one open. 900+ Equifax/Experian, and explicitly requested a 5k limit.

 

[Daver6]

Mrs sudoer just received her QF Ultimate rejection letter with the same credit reporting line.

She's closed 3 cards in the last 12 months and has one open. 900+ Equifax/Experian, and explicitly requested a 5k limit.

Looks like they're cracking down on the partner's off AFF members

 

[hachoo]

Thought I'd add my experience to here as well.

Applied for an AMEX QF Ultimate and also got a rejection letter with the credit line people have mentioned already here.

I haven't had an AMEX in 4+ years, 1 closed card in the last 12 months and with a score of 1000+.

Probably won't be trying this again until there's evidence the success rate changes overall.

 

[ChaseThePoints]

I had the same experience late last year also, I rang up after getting the rejection letter as I had an excellent credit rating etc and I was confused. The lady offered to re-do the application and I even added some additional investment income I hadn't bothered with on the first application and it was still rejected with the same generic letter. I had a hunch it was related to the number of credit cards churned and seeing this thread has reaffirmed that. A shame as my plan was to make this card one I would hold as a base card with a likely redemption into Krisflyer.

 

[Ubers]

I had the same experience late last year also, I rang up after getting the rejection letter as I had an excellent credit rating etc and I was confused. The lady offered to re-do the application and I even added some additional investment income I hadn't bothered with on the first application and it was still rejected with the same generic letter. I had a hunch it was related to the number of credit cards churned and seeing this thread has reaffirmed that. A shame as my plan was to make this card one I would hold as a base card with a likely redemption into Krisflyer.

Yeah, they do seem to be blocking churners... well, the letter I sent to their official correspondence address still hasn't been responded too. It was sent over 2 months ago.

 

[sudoer]

Mrs sudoer just received her QF Ultimate rejection letter with the same credit reporting line.

She's closed 3 cards in the last 12 months and has one open. 900+ Equifax/Experian, and explicitly requested a 5k limit.

P2 tried again for the Plat Charge instead of the Ultimate. I thought perhaps Amex might have a different churn tolerance for each card product/line. Also closed the card she had open, but no dice.

Might try again in July when she will be 4/24 and 2/12.

 

[N0mad]

P2 tried again for the Plat Charge instead of the Ultimate. I thought perhaps Amex might have a different churn tolerance for each card product/line. Also closed the card she had open, but no dice.

Might try again in July when she will be 4/24 and 2/12.

she may have been better off keeping it open, when i called after my rejection they specifically asked if i had opened and closed cards within a very short timeframe.

Wife working part time and only earning $50k was approved for the Plat charge card with no issues. had prob been a few years since her last credit card