Declined by Amex despite not applying for more credit as an existing member.

Sensory

Vinknut said:

I think the upshot of all this is that no-one knows, and if anyone does actually know they're not allowed to tell you anyway.

It might be any of these mad combinations that their algorithms have detected as having a larger risk than an existing customer, and might specifically be around opening new accounts rather than reviews of existing accounts.

No new accounts opened for anyone who has taken on a mortgage within the past 18 months.
No new accounts for existing account holders who also has taken on a mortgage within the past 18 months.

I'm not sure what else you're expecting someone to tell you?

I don't know; that is the purpose of this thread. You shouldn't assume others don't know what you don't know.

cymruchris

You could try closing your account - and then in 6 months start with a new application for the card you want. It seems it's not as though you NEED the card - it's just the card that you want. If they then say no, move on to another provider. Nobody is guaranteed anything when it comes to credit facilities - even if we think we fit the bill, and it seems nonsensical why they'd decline us.