AMEX rejection

[NoName]

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

If they are likely to be long term customers they will be by virtue of the annual fees etc.

 

[N0mad]

If they are likely to be long term customers they will be by virtue of the annual fees etc.

plus the fees merchants pay wen you use the credit card.

 

[I love to travel]

Interesting - maybe we will get this too

Amex's Application Pop-Up Warning Explained

Receive a pop-up warning during an Amex application telling you that you're not eligible for the bonus? Here's why this happens.

onemileatatime.com

 

[Airbumps]

Interesting - maybe we will get this too

Amex's Application Pop-Up Warning Explained

Receive a pop-up warning during an Amex application telling you that you're not eligible for the bonus? Here's why this happens.

onemileatatime.com

At least with this, if I'm reading it correctly, you can proceed to take th le card without the sign up offer - At present this doesn't seem to be an option.

 

[sudoer]

Wondering if anyone has recent approvals after previous declines, and if so, how long had passed between the last decline and approval?

Been a few months since I've tried for P2, but she's now been declined a few times across the last 12-15 months and I'm wondering how long to wait between apps...

 

[QF_Flyer]

Wondering if anyone has recent approvals after previous declines, and if so, how long had passed between the last decline and approval?

Been a few months since I've tried for P2, but she's now been declined a few times across the last 12-15 months and I'm wondering how long to wait between apps...

Approx two months ago I was finally approved again for QF Ultimate. Can’t remember the gap unfortunately sorry, but I did enter a US Amex number on the application, not sure if that helped.

Prior to that both P2 and I had been out of the Amex AU ecosystem for about 3.5 years, with a year and a half of declines (trying every 3-6 months). I want to get P2 back on the Amex train, unfortunately she doesn’t have any overseas cards any more either.

 

[Daver6]

Wondering if anyone has recent approvals after previous declines, and if so, how long had passed between the last decline and approval?

Been a few months since I've tried for P2, but she's now been declined a few times across the last 12-15 months and I'm wondering how long to wait between apps...

A couple of years for MrsDaver6. Actually probably just under two years.

 

[N0mad]

Wondering if anyone has recent approvals after previous declines, and if so, how long had passed between the last decline and approval?

Been a few months since I've tried for P2, but she's now been declined a few times across the last 12-15 months and I'm wondering how long to wait between apps...

approved for personal Plat in March, approx 12months since my last unsuccessful app and about 2.5-3.5yrs since previously holding a card. Had 0 credit card applications in that 12 months though.

 

[Azro]

I have just been finally convinced that Amex is a total lottery.

My wife works casual and makes a bit under $30k. She applied for Amex Velocity Escape Plus, chose minimum limit ($2200), a day later they asked to send them a photo of her ID and payslips and she was approved next day.

I am a sole trader, not a churner, never had Amex before, make 3 times of what my wife makes (admittedly, with a lot of deductions but my taxable income is still more than her gross). Applied for the same card via her referral link. The system offered me to choose the limit from $2600 to $22000 which I let Amex to decide (probably a mistake from my side).
Sent them the latest NOA from ATO. Next day a guy calls, goes through my everyday expenses (which were listed in the application) and says I was unsuccessful.
What gives?

 

[georgie23]

That is crazy and completely believable the state of what Amex is at the moment

 

[lovestotravel]

I am a sole trader

 

[deebens]

Tried for an ultimate card about 6-8 weeks ago. Rejected. Had it previously about 18 months ago.

Not too sad.

Anyway, saw the Velocity Escape Plus with the 50k bonus. Applied, just took the lowest limit. They called up and wanted to speak. Couldn't, so I called back 2 days later. Approved.

 

[MooTime]

Tried for an ultimate card about 6-8 weeks ago. Rejected. Had it previously about 18 months ago.

Not too sad.

Anyway, saw the Velocity Escape Plus with the 50k bonus. Applied, just took the lowest limit. They called up and wanted to speak. Couldn't, so I called back 2 days later. Approved.

Good take the points where you can these days.
50k is 50k.

 

[deebens]

Good take the points where you can these days.
50k is 50k.

Thinking back it may be longer since I last had the card, would have to check the spreadsheet, but was surprised they gave it to me after a rejection not so long ago.

 

[burmans]

Thinking back it may be longer since I last had the card, would have to check the spreadsheet, but was surprised they gave it to me after a rejection not so long ago.

Different card, different acceptance criteria!

 

[deebens]

Different card, different acceptance criteria!

Yeah, though I would have thought I'd comfortably cover the criteria for either.

 

[Flyfrequently]

Slightly OT, I wanted to add married daughter to my Amex Ultimate.
Have previously added other daughter 2 years ago by just a phone call and approved immediately.

This time, I had a call and email to verify that I had requested it.
I also had to send through her driver's licence before being approved.
Happy that they're checking.

 

[Dalec]

Was rejected in early July, which did come as a surprise. Contacted AMEX but only got a very generic reply. Had a similar experience with Westpac a while back and when I rang them they did all they could to get me approved, which they achieved very quickly.
Anyhow, I moved on quickly and applied for the Citibank Premier card yesterday and received a call 10 minutes after submitting the application and approval within the hour. I am a churner with a good salary(mid 100k) and excellent credit rating from multiple outlets. I highly suspect AMEX are clamping down on us churners, as it is their right to do.

 

[Hunter4vr]

approved for personal Plat in March, approx 12months since my last unsuccessful app and about 2.5-3.5yrs since previously holding a card. Had 0 credit card applications in that 12 months though.

Similar experience here. got instantly approved for the AMEX Plat Charge last week after being rejected in November last year. On purpose I've had 0 card applications or cancellations in the meantime, last time I've had an AMEX was 2022.

Looks like having 0 card applications for 6-12 months is the go if you don't want to risk a rejection.

 

[fly7689]

approved for personal Plat in March, approx 12months since my last unsuccessful app and about 2.5-3.5yrs since previously holding a card. Had 0 credit card applications in that 12 months though.

Wondering if anyone has recent approvals after previous declines, and if so, how long had passed between the last decline and approval?

Been a few months since I've tried for P2, but she's now been declined a few times across the last 12-15 months and I'm wondering how long to wait between apps...

i used to churn about 3-4 cards annually for the past few years but took a break for about 6 months where i closed off a few cards and didn't apply for any new cards during that time. this week i applied for Amex Qantas ultimate and specifically requested a low credit limit $6k just to meet the minimum spend, but i got the "we will get back to you in 5 to 10 business days" which i assume to mean rejection.

i didn't know closing cards was a bad thing, i thought it was a good thing to reduce my existing credit limits and look more credit worthy as an applicant. maybe i should have kept them open...