doctorstrangelove
Member
- Joined
- Apr 20, 2020
- Posts
- 140
Hi all, I've just been knocked back for the AMEX platinum charge card based on a credit inquiry and having recently received a copy of my credit history I believe the decision is incorrect and would like them to review it. The letter that AMEX sent out informing me of my rejection only had a snail mail address for me to direct my queries to.
As a first point of call though I contacted the number provided on the initial e-mail about my application being received (1300 557 743) to ask why I had been rejected despite having an excellent credit rating. The call centre staff looked up my application and stated that "no reason can be given to you to preserve client confidentiality"; a line I never really understand as I am the client and I'm perfectly happy for them to waive confidentiality. They mentioned that there could be other reasons I may have been rejected; namely that I have had AMEX cards in the past and closed them before the anniversary date - although she didn't say she seemed to be implying CC churners can be blacklisted. However, that wasn't what they said in their rejection letter - they clearly stated it was a credit inquiry issue, not that you're a CC churner and have been abusing our system and are therefore banned. There was nothing further she could do to assist so we ended the conversation there.
So, a few queries out of this.
1) Was she bullshitting me just to get me off the line, or do AMEX keep a record of folks who close their cards before their anniversary dates and blacklist them from future applications (I have churned two AMEX cards in the past 5 years).
2) What's the next step? Is there one? HUACA? Write to the snail mail address provided?
Any data points on the above greatly appreciated. The lack of any guidance from AMEX is extremely frustrating - I have no idea if this means I can never apply for an AMEX card again.
As a first point of call though I contacted the number provided on the initial e-mail about my application being received (1300 557 743) to ask why I had been rejected despite having an excellent credit rating. The call centre staff looked up my application and stated that "no reason can be given to you to preserve client confidentiality"; a line I never really understand as I am the client and I'm perfectly happy for them to waive confidentiality. They mentioned that there could be other reasons I may have been rejected; namely that I have had AMEX cards in the past and closed them before the anniversary date - although she didn't say she seemed to be implying CC churners can be blacklisted. However, that wasn't what they said in their rejection letter - they clearly stated it was a credit inquiry issue, not that you're a CC churner and have been abusing our system and are therefore banned. There was nothing further she could do to assist so we ended the conversation there.
So, a few queries out of this.
1) Was she bullshitting me just to get me off the line, or do AMEX keep a record of folks who close their cards before their anniversary dates and blacklist them from future applications (I have churned two AMEX cards in the past 5 years).
2) What's the next step? Is there one? HUACA? Write to the snail mail address provided?
Any data points on the above greatly appreciated. The lack of any guidance from AMEX is extremely frustrating - I have no idea if this means I can never apply for an AMEX card again.