AMEX rejection

[Flyfrequently]

I feel your pain @Brucetiki
I have 2 Amex cards and the one I use all the time now, Amex Ultimate has sub $11k limit and other has $26k.
Have tried several times to "swap over" and have the Amex Ultimate $ limit increased but cannot do this due to changes in the ("money laundering" ) law.
Give it 3 months and try again ?

 

[bobbinbrisco]

I feel your pain @Brucetiki
I have 2 Amex cards and the one I use all the time now, Amex Ultimate has sub $11k limit and other has $26k.
Have tried several times to "swap over" and have the Amex Ultimate $ limit increased but cannot do this due to changes in the ("money laundering" ) law.
Give it 3 months and try again ?

that amex "money laundering" excuse makes no sense

i was able to adjust limits easily a few years ago between edge and explorer

 

[Flyfrequently]

that amex "money laundering" excuse makes no sense

i was able to adjust limits easily a few years ago between edge and explorer

I agree @bobbinbrisco as the way I logically look at it, I have $37k credit available via two cards.
But that is the line they trot out. Amex has said that the rules changed not that long ago

 

[Dr Ralph]

Just ticked over 18 months for me. Applied for the Amex Explorer. Not asked for any documentation, got the "will get back to you in 5-10 working days" message.

As expected the standard rejection letter arrived in the mail today.

Given I had no other open credit cards at the time of the application and applied for only a $3K limit, there can be zero doubt remaining that AMEX have taken the firm decision to simply rejected churners immediately.

I applied for an ANZ card the day after my AMEX application and it has been approved.

 

[tac84]

Happy to provide some additional information for reference.

I held the Platinum Charge Card back when the annual fee was around $900. Closed the card back in 2017 because at the time I couldn't justify the annual fee........fast forward to June 2025 I tried to re-apply for the card and like many others, after inputting my basic information, it was unsuccessful. I re-applied tonight for the Platinum Charge Card (November 2025) and to my shock was Approved without any income evidence, no declaration of any assets and/or liabilities, just instant approval.

I'm a Banker with one of the big 4 banks so have some knowledge of how Credit Card applications are assessed, so I was very surprised to see this go through with no actual evidence of income.

 

[Dr Ralph]

so I was very surprised to see this go through with no actual evidence of income.

Quite normal for AMEX.

 

[Flyfrequently]

Happy to provide some additional information for reference.

I held the Platinum Charge Card back when the annual fee was around $900. Closed the card back in 2017 because at the time I couldn't justify the annual fee........fast forward to June 2025 I tried to re-apply for the card and like many others, after inputting my basic information, it was unsuccessful. I re-applied tonight for the Platinum Charge Card (November 2025) and to my shock was Approved without any income evidence, no declaration of any assets and/or liabilities, just instant approval.

I'm a Banker with one of the big 4 banks so have some knowledge of how Credit Card applications are assessed, so I was very surprised to see this go through with no actual evidence of income.

Welcome to AFF @tac84
That is great to hear.

 

[Waddygib]

Quite normal for AMEX.

Cos Plat is not a credit card, there is no regulatory requirement to do income verification.

It's probably the easiest card to get approved for in the market.