AMEX rejection

[KingHuang]

Hi just wanna share My experience. No issue with credit score, income etc. After more than 18mths since closing Amex Velocity :
Feb 2024: closed CBA , then Applied and got granted ANZ
April 24: applied for Amex Explorer - rejected
June 24: applied for Wstpac - granted
Oct 24: closed AnZ then straightaway applied for AMEX Platinum personal - rejected

The next day, I applied for Amex Plat Business. Waited 4 business days before receiving an email from an actual person saying there was issue with ABN details etc. I called them the next day on business line and the staff helping me basically went above and beyond to show they really wanted me as cus LOL. ABN issue sorted, pretty much instant approval without having to provide any docs.

Post automatically merged: Oct 14, 2024

Hi just wanna share My experience. No issue with credit score, income etc. After more than 18mths since closing Amex Velocity :
Feb 2024: closed CBA , then Applied and got granted ANZ
April 24: applied for Amex Explorer - rejected
June 24: applied for Wstpac - granted
Oct 24: closed AnZ then straightaway applied for AMEX Platinum personal - rejected

The next day, I applied for Amex Plat Business. Waited 4 business days before receiving an email from an actual person saying there was issue with ABN details etc. I called them the next day on business line and the staff helping me basically went above and beyond to show they really wanted me as cus LOL. ABN issue sorted, pretty much instant approval without having to provide any docs.

I think i read a few times in this thread for the biz plat, no documents including tax statements/revenue at all?

 

[Happy Dude]

So anyone with an ABN can get an Amex Business card without docs? This seems very reckless.

 

[andye]

So anyone with an ABN can get an Amex Business card without docs? This seems very reckless.

No expert but I guess the fact that it's a Charge rather than credit card, mitigates somewhat

 

[pyramidforce]

Guess it cant hurt to ask - expired ABN OK?

 

[burmans]

Guess it cant hurt to ask - expired ABN OK?

Take a hit for the team!

 

[Cynicor]

So anyone with an ABN can get an Amex Business card without docs? This seems very reckless.

The card is held in personal name/responsibility though, not business. So no risk really.

 

[Deskorpio]

I think i read a few times in this thread for the biz plat, no documents including tax statements/revenue at all?

Didn’t ask me for any of those docs

 

[Deskorpio]

Take a hit for the team!

Guess it cant hurt to ask - expired ABN OK?

That will be pushing it LOL. Need an active ABN and be registered for GST, they will check these info. Also the person applying needs to be the Director of the company I believe

 

[georgie23]

My P2 got rejected for a card - anyone know how long till can reapply - is it 30 days or 90 days?
Thanks

 

[pyramidforce]

My P2 got rejected for a card - anyone know how long till can reapply - is it 30 days or 90 days?
Thanks

I was told 90 days but as we know front line agents may or may not know what they are talking about so I guess ymmv

I am planning on waiting like a solid 6 months of just don't touch equifax credit file and hope that this is somehow enough.

 

[georgie23]

Cheers - will wait it out and see how we go

 

[georgie23]

Its been 40 days since rejection application we have chanced another application tonight - will keep you posted

 

[georgie23]

P2 for rejected twice in 40 days
Income 130K
No credit cards
Equifax is very good
No mortgage or bills as comes from P1

Frustrating

CSR was useless he just read out saying rejected for confidential reasons and letter will come
The letter last time just said you don’t meet the criteria

Wish there was a real person could actually speak to
Might get a HSBC Premier card for free to just have a card on the credit history for P2

 

[0x012fd0aa]

P2 for rejected twice in 40 days
Income 130K
No credit cards
Equifax is very good
No mortgage or bills as comes from P1

Frustrating

CSR was useless he just read out saying rejected for confidential reasons and letter will come
The letter last time just said you don’t meet the criteria

Wish there was a real person could actually speak to
Might get a HSBC Premier card for free to just have a card on the credit history for P2

Or maybe wait for 90 days

 

[Hunter4vr]

Adding a data point. Rejected for the Amex Plat, first card rejection ever. I've been churning a few cards a year lately and then I have two others which I do not churn, average age of credit is about 3 years for those.

Last time I've had an Amex was in 2022 which I kept for about 4 years. Was looking to replace the Citi Prestige as my main card.