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Amex application decision appeal

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Hi all,

I recently applied for the AMEX nectar card, mainly to take advantage of all these foursquare offers floating around at the moment and the opportunity to earn more nectar. I unfortunately got declined, when speaking to AMEX they said it is likely that the system could not find my credit file from their agency - which I thought was a bit odd.

After reading some appeals templates on here, I sent off an appeals letter last week, because as far as I am concerned I feel as if I am in a strong financial position. I also held an AMEX card 2 years ago which was always used monthly and paid off in full, so hopefully that goes my way.

I was just wondering if anyone else has had any experience good or bad with decision appeals with AMEX?

Comments

  • reclusive46
    reclusive46 Posts: 2,698 Forumite
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    The only thing I can suggest is applying for the gold card (Its free for the first year normally, if its not just ask someone to refer you, I and many others will be able to do so). The charge cards are generally much easier to be accepted for. Then after the first year you will have history with them and you can cancel the gold and apply for nectar.
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
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    The only thing I can suggest is applying for the gold card (Its free for the first year normally, if its not just ask someone to refer you, I and many others will be able to do so). The charge cards are generally much easier to be accepted for. Then after the first year you will have history with them and you can cancel the gold and apply for nectar.

    Is the gold card easier to get than the traditional green charge card? I'm considering applying for the green one myself.
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  • reclusive46
    reclusive46 Posts: 2,698 Forumite
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    ElkyElky wrote: »
    Is the gold card easier to get than the traditional green charge card? I'm considering applying for the green one myself.

    They normally have the same credit requirement. Bare in mind as the Gold is free for the first year if your referred (Actually free without referral right now). You could apply for that then downgrade to the Green after the first year.
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
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    They normally have the same credit requirement. Bare in mind as the Gold is free for the first year if your referred (Actually free without referral right now). You could apply for that then downgrade to the Green after the first year.

    Okay, I think I'll do that then. I was only considering the green one since the fee is lower but if it's possible to downgrade from the gold then I may as well take advantage of the free first year.

    I applied for one of their credit cards over a year ago and was declined but my credit report and circumstances has improved since then. I like the thought of having a charge card instead of the credit card.
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  • Russinating
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    Just sent you a PM Elky :)
    | Amex & Foursquare Hoarder |
    Cashback & Points (26/02/13)
    Nectar: 71,816 (£357) | Avios: 62,036 | Membership Rewards: 45,076 (£225)
    Foursquare & Xbox Cashback: £1,865 | Quidco Paid: £986
  • coollittlew
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    I could go for a charge card u guess if the appeal is unsuccessful as I don't plan on using the credit facility. Is the Amex gold/green card eligible for the foursquare offers?
  • Russinating
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    Yes, all Amex cards bar corporate and pre-paid are eligible for the Foursquare offers.
    | Amex & Foursquare Hoarder |
    Cashback & Points (26/02/13)
    Nectar: 71,816 (£357) | Avios: 62,036 | Membership Rewards: 45,076 (£225)
    Foursquare & Xbox Cashback: £1,865 | Quidco Paid: £986
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