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 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?

 

[N0mad]

Thanks for the response Dr Ralph. I think what is the must frustrating for me is the lack of explanation; it simply 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?

may be worth having a read of the last few pages of this thread, generally they are cracking down on people they perceive as churners. if you have opened and closed a number of cards in recent years then it fits their current approval/rejection process.

If not then i understand your confusion.

 

[Happy Dude]

A little OT but relevant to the position that "churners" are being rejected, but does Amex see the providers and amounts in a credit application history?

For eg, can Amex see that credit for $xx has been applied for at CBA, WBC, NAB etc or do they just see that a credit application has been made?

 

[sudoer]

can Amex see that credit for $xx has been applied for at CBA, WBC, NAB etc

Yes, your credit file contains enquiries (regardless of whether successful) including the limit applied for



And 5 years worth of open and closed accounts, their limits, and your on-time payment history

 

[Happy Dude]

ooooh it even has the type of credit applied for. #nowheretohide

 

[sudoer]

ooooh it even has the type of credit applied for. #nowheretohide

Yes - utilities, personal loans and mortgages all appear differently.

 

[andyrb]

both with excellent six figure salaries, excellent credit scores, no kids and low mortgage

the lack of explanation; it simply doesn't make sense why the rejection and hence is hard to stomach.

Amex doesn't owe you an explanation or justification of their decision. For whatever reason you didn't meet their criteria and they chose not to extend you credit.

Your "six figure salaries, excellent credit scores, no kids and low mortgage" were probably weighed up against other factors and it was determined you were not a good fit for them.

<redacted>

 

[I love to travel]

Amex doesn't owe you an explanation or justification of their decision. For whatever reason you didn't meet their criteria and they chose not to extend you credit.

Your "six figure salaries, excellent credit scores, no kids and low mortgage" were probably weighed up against other factors and it was determined you were not a good fit for them.

We really need to stop with the "I MAKE LOTS OF MONEY AND HAVE A CREDIT SCORE OVER 9000 HOW DARE AMEX NOT APPROVE ME" whining.

What about good customer relationship principles - I think that is what some people are questioning. And it is not whining

 

[Bacchus71]

Amex doesn't owe you an explanation or justification of their decision. For whatever reason you didn't meet their criteria and they chose not to extend you credit.

Your "six figure salaries, excellent credit scores, no kids and low mortgage" were probably weighed up against other factors and it was determined you were not a good fit for them.

We really need to stop with the "I MAKE LOTS OF MONEY AND HAVE A CREDIT SCORE OVER 9000 HOW DARE AMEX NOT APPROVE

Amex doesn't owe you an explanation or justification of their decision. For whatever reason you didn't meet their criteria and they chose not to extend you credit.

Your "six figure salaries, excellent credit scores, no kids and low mortgage" were probably weighed up against other factors and it was determined you were not a good fit for them.

<redacted>

Nasty! And totally unnecessary comments. By it's very definition this is a thread about AMEX rejection and so naturally people are going to give details as part of the discussion. If you can't say anything productive, you do have the choice to say nothing at all.

Post automatically merged: Today at 7:12 PM

Amex doesn't owe you an explanation or justification of their decision. For whatever reason you didn't meet their criteria and they chose not to extend you credit.

Your "six figure salaries, excellent credit scores, no kids and low mortgage" were probably weighed up against other factors and it was determined you were not a good fit for them.

<redacted>

Nasty! And totally unnecessary comments. By it's very definition this is a thread about AMEX rejection and so naturally people are going to give details as part of the discussion. If you can't say anything productive, you do have the choice to say nothing at all.

 

[lilkid28]

Nasty! And totally unnecessary comments. By it's very definition this is a thread about AMEX rejection and so naturally people are going to give details as part of the discussion. If you can't say anything productive, you do have the choice to say nothing at all.

Some people just can't keep their mouth shut! Part of living in this society

 

[andyrb]

And it is not whining

It kinda is. The thread is full of the same.

I've said it before and I'll say it again: Amex, nor any other credit provider, are under no obligation to justify themselves to applicants. Earning lots of money or having a good credit history is not, in and of itself, a pathway to acceptance.

Their business is making money off customers. If they're declining someone, they would have a reason for doing so.

These regular posts of the same thing add nothing of value.

If you can't say anything productive, you do have the choice to say nothing at all.

Very true. At this point I'll bow out, as I'm heading out for dinner. Which I'll be paying for on my Amex, which I was approved for.

 

[MooTime]

Gee talk about wrapped in cotton wool.

Bit of critism in general, big deal, can easily say don't like what you read, just ignore it, forget about it.

I for one love both sides of the issues, with a bit of sting for flavour.

Cup of concrete anyone?

 

[NoName]

it simply doesn't make sense why the rejection and hence is hard to stomach.

Why doesn’t it make sense? I think it makes perfect sense - Churners would not be profitable customers. Pretty obvious why they wouldn’t want us.

 

[Flyfrequently]

Churners would not be profitable customers.

And nor are retirees who pay their account on time and in full @NoName