Here are a few reasons why your approval could be delayed: Hot Tip: If you are under 21 years old (without your parents permission), dont have a Social Security number, or are unemployed, you most likely wont be approved for an American Express credit card. American Express has set its sights on the most qualified cardmembers, and so not everyone is approved instantly after submitting a new application. Yes, many times youll be instantly approved for an American Express credit card. This is what I saw for a recent American Express card application. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor. Just wanted to get rewards and have a higher credit limit to boost my score. The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your applicationhasnot been rejected yet and is merely pending. But if you apply and make sure all your information is accurate, you have the best chance of getting one. How do I Earn Membership Rewards Points? Exp 705 no neg. If that happens, youll be notified by mail once a decision is made. In my experience, however, most premium (higher annual fee cards), get expedited and are automatically sent by FedEx or UPS and arrive a few days later. Received email instantaneously denied for: high revolving balance (error due to a closed acct which should be showing as 0 balance; currently disputing with Experian), high loan balance (student loans), derogatory items (paid tax lien), recent late payments (10 months ago) . Edit: This does not improve your odds going against your report. Its not a trick question. Should I even hope? Learn more about the different credit card types and categories out there, such as: travel, balance transfer, rewards, business, and more. Perhaps the card has a benefit that is attractive such as resort fee credit on the Hilton Aspire card, free baggage on a Delta flight, or something else unique to that card. However, if your application wasn't . Sometimes they just need to confirm a detail or verify your identity. You may also try signing in to your online banking account to search for your credit card number in your account information. Right now, just a handful of major issuers offer instant credit card numbers. Cancel anytime. Step 1. You can ask Amex to check if you've ever had a credit card and they will check their records. I applied for an AMEX Blue Cash Preferred Card yesterday online. When you apply for a credit card online, many card issuers decide whether youll be approved in minutes. But with some hard hitting inquiries 8 on Transunion, 4 on EQ and 3 on EX. To use an instantly approved card, well, instantly, you also need aninstant credit card account number. Then call back the reconsideration phone number and ask the representative to reconsider / reprocess the application. Thanks. But that doesnt mean that only people with excellent credit score should seek instant approval. How much longer must I wait? Terms of Service apply. An Amex instant card number is possible with any American Express credit card. Creditors may do this proactively by sending you a letter or email saying youre pre-approved for a new card, or they may provide the option for you to explore pre-screened offers online. If your credit reports are frozen, identity thieves wont be able to take out new lines of credit under your name, but you also wont be able to take out new lines of credit. At Bankrate we strive to help you make smarter financial decisions. Privacy Policy and 2023 Upgraded Points, LLC. If it has surpassed the time frame of reconsideration then just apply for the card again. perhaps they are mailing you a response if there is still nothing? Many people who apply for credit cards get approved or declined as soon as they complete the applicationbut not all credit card applications are immediately approved. It has been well over that now. Can you pull it off? The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. In addition, as an Amazon Associate we earn from qualifying purchases. They said that I've hit the maximum of 5 cards and that I'd have to close one credit card if I wanted to get it. Please how do I proceed to check the status of my application ? Even if instant approval is literally the only factor that matters to you, its still a smart idea to read a cards fine print before applying. About a week later I received another letter stating I was denied. PS: Thank you to the author of this site, regardless of the outcome of AMEXs reconsideration. Sometimes credit issuers receive more credit card applications than they can process. While were reviewing your application, please dont apply for another Business Platinum Card. 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Opinions expressed here are the authors and/or WalletHub editors'. Blue Cash Preferred Card from American Express: Rewards. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. If youre trying to apply for the latest and greatest credit card at the same time as everyone else, you might have to wait for the credit card issuer to get through all of the outstanding applications. Should I assumed that the application is denied? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). To find your credit card number without the card, try looking for it on your monthly statement. Do Not Sell or Share My Personal Information. Five Amex credit cards total In some cases, prospective cardmembers need to provide information about their financial lives, including income level and source of earnings, and an explanation of any less than stellar credit . All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Love how u delete post u dont agree with. In the rare event the credit analyst does not budge on approval, politely hang up and call again to get a different credit analyst. Contact the credit card issuer directly for specifics on their rules regarding instant credit card numbers. Thanks! Ive been overseas for 10+ years and found my credit bureau files non-existent. Credit scores of 688/667/690 and needless to say I am not pleased. But to check it online I was asked to input my SSN, which I dont have. What determines whether I am eligible to get an Instant Card Number? My Transunion is 658 and EQ 662 no negatives on all three. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. American Express Card Application Status website, tips on what to say to Chase credit analysts, resort fee credit on the Hilton Aspire card, this page for the most recent credit card offers, Best iPhone 14 Trade In Deals from Verizon, T-Mobile, AT&T & How To PreOrder, Chase Marriott Bonvoy Boundless Visa 5 FREE Night Bonus (up to 250,000 point value), Marriott Up to 2 Free Nights After 2 Eligible Paid Stays (Targeted), [Targeted] 20-50% Off Amazon with 1 Amex Point (up to $60), [Targeted] eBay $25 off $25.01 Promo Code. In many cases, it takes only a few minutes to get approved for a credit card. Best Options for Instant Credit Card Numbers. They even expedited the card without my request. You can receive American Express credit card welcome bonus points only once per lifetime per product. Thanks in advance . Here are a few reasons why your approval could be delayed: You have applied for too many credit cards. It appears that other people have used these numbers to talk to an agent and get approved or declined directly. Call up Amex to cancel one of your credit cards. If you need to start using a credit card today, youll likely want to consider applying for an American Express credit card. Just a question, though. There are many reasons you might not get immediate approval on your American Express credit card application. You can find the links by logging into your account and searching for Refer a Friend or use this link which will take you directly to the page you need. During that time, she got to see Scotland, Ireland, London, and Amsterdam and knew she wanted to see more of the world. Once. I was denied an AMEX Hilton Honors Aspire card. You have money questions. How do I check my Amex application status? I applied for an American Express card, I dont have an SSN yet, I opted to use my international credit history via Nova credit. But not everyone is eligible for this feature. Also, note that only online and phone applications are considered. He is also the author of four books on management. Thanks again to the author of this site/forum. I sent in what they asked for and wasnt good enough. Technology makes it possible to be approved for a credit card and even start using it within minutes. And I get the same message as before: that AMEX needs to review things. Once you have your instant credit card number, you can use it to make purchases online, by phone, and in person if the merchant accepts digital wallet payments. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. Second and last time that I will apply for an Amex. After my call to the reconsideration lineI was still not approved. As I told the guys on the call, it is not the end of the world and that I am still good regardless but, after discovering this AMEX reconsideration site, I thought, what the heck, ask for reconsideration I will hopefully remember to come back to this site soon and report back on the reconsideration decision. Bottom line , I can close 1 existing account , but not guaranteed that they will even approve me for the new one , plus they will make an additional hard pull on my Experian report , what can I do for this ?? Also, American Express did not even pull my credit report. and some store credit cards. 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