American Express

Big_Billy_2

I have a brilliant credit file. Experien have me down as 930 points, and Eqifax have me as 489 points. I earn over 23K per year. I have been with the same employer for 8 years. Yet Ameriacan express refused my appliction for a Platinum card.

I got my bank manager to write me a letter of support and appealed thier decision. Sending along a full copy of my reports, plus current bank and credit card statements.

They still said no.

So, my question is, why do you recon I was knocked back?

I have never ever had arrears on any accounts. I already have a Lloyds TSB Platinum card and a Platinum current account, with a Lloyds TSB internal credit rating of 3 on thier system. 10 is the worset you can get.

All utilty bills are paid, I own my car, so nothing outstanding there.

I realy am cheesed off about this.

Can anyone give me a clue as to why this has happened.?

pksaraf

are u on the electoral roll? - the most important question.

Big_Billy_2

No, and they said that was ok if I could produce bills, which I did, they were less that a week old.

pin

Do you have other credit cards, loans etc? How much do they total up to?

AQUA-IAN

Just been looking at you're PAST THREADS - I think the answer to your question lies there !!! - Good luck though. Hope you get your AMEX card.

AQUA-IAN

Big_billy Hope everything's sorted out now - Let us know.

Big_Billy_2

pin wrote:

Do you have other credit cards, loans etc? How much do they total up to?

yeah just ywo cards,

3500 limit, at 3200

3000 Limit, nothing on it.

AQUA-IAN

:grinheart lol.

Big_Billy wrote:

yeah just ywo cards,

3500 limit, at 3200

3000 Limit, nothing on it.

AQUA-IAN

I may as well tell you about my experience with AMEX. Firstly, you have to have a PERFECT credit history, don't try otherwise. Try first with a blue then work up!.LOL

Bokken_2

Perhaps you don't earn enough? just a thought.
have a good read through the American Express discussion area you may find more helpful stuff there that you can act on.

Big_Billy_2

AQUA-IAN wrote:

I may as well tell you about my experience with AMEX. Firstly, you have to have a PERFECT credit history, don't try otherwise. Try first with a blue then work up!.LOL

It is perfect, they admitted that.

The credit file shows the last 6 years, not one missed or late payment.