American express query

catflea

You'll have been approved if you've got the email. The limits on amex products are now very tight and unless you have a spotless credit history expect a starting limit of less than 2k. Limits are reviewable every 18 months (and the trick to getting the increase is to spend spend spend and repay repay repay) no harm in Ringing customer Services (01273576576) and saying that you think you've been approved and want to know the limit - they will track you down from name and address....

You should expect the card within a week-10 days of the account being opened (which should be same day as email sent)

diggerman123

thanks catflea. my credit is spotless by the way. not going to ring them though , I always think that this makes people look desperate (which i arent ) lol. just curious. will wait and see what the postman brings ...............

diggerman

diggerman123

just to update as promised , card arrived today its the platinum one and a limit of £2500.

very quick service

well done amex .................

andyg99

I have just applied for a BA Amex and got the message that they are unable to give a decision just now and they will be in contact in 10 days. Anyone know if this is good or bad?

izools

andyg99 wrote: »

I have just applied for a BA Amex and got the message that they are unable to give a decision just now and they will be in contact in 10 days. Anyone know if this is good or bad?

Neither. Just means your score was marginal or the computer can't make an automated decision based on the information provided so the application will be reviewed by an underwriter to make a decision.

Could go either way

Good luck!

catflea

izools wrote: »

Neither. Just means your score was marginal or the computer can't make an automated decision based on the information provided so the application will be reviewed by an underwriter to make a decision.

Could go either way

Good luck!

Neither. Its the bog standard response! The only time I have seen an immediate approval was when a platinum charge card holder applied for a credit card to go alongside. The card holder in question spent approx quarter of a million a year and had been with amex for YEARS (since the 80s)

MFWannabe

catflea wrote: »

Neither. Its the bog standard response! The only time I have seen an immediate approval was when a platinum charge card holder applied for a credit card to go alongside. The card holder in question spent approx quarter of a million a year and had been with amex for YEARS (since the 80s)

I would have to disagree here; would not say that's a bog standard response.
When i applied last Friday i got the decision straight back that my application was successfull and that i should receive my card in 10 working days; it arrived today which was super quick; 4 working days and that includes a Bank Holiday!!

andyg99

FREEZ wrote: »

I would have to disagree here; would not say that's a bog standard response.
When i applied last Friday i got the decision straight back that my application was successfull and that i should receive my card in 10 working days; it arrived today which was super quick; 4 working days and that includes a Bank Holiday!!

Thanks for the replies! I will wait and see what happens and report back!

catflea

FREEZ wrote: »

I would have to disagree here; would not say that's a bog standard response.
When i applied last Friday i got the decision straight back that my application was successfull and that i should receive my card in 10 working days; it arrived today which was super quick; 4 working days and that includes a Bank Holiday!!

Well, well done for you! I process probabally about 50/60 applications a week and straight acceptance is certainly not the norm!

andyg99

catflea wrote: »

Well, well done for you! I process probabally about 50/60 applications a week and straight acceptance is certainly not the norm!

So do most of them refer then or do some decline straight away?