Looking for some advice. As part of an AOR I applied for my first Amex card (PRG, which with the cc match from Creditcards.com (sorry Dan!) was supposed to get me 50k).
I was denied, called up, asked for it to be reviewed and was denied again.
They said my Experian score was 725, and the reasons they gave for declining (both times) were:
a) the length of time of accounts is not long enough (oldest account is 5 years)
b) number of account delinquencies (I made a 60-day late payment to Target 5 years ago)
c) lack of recent installment loan (I live in Israel and don't have a mortgage or car loan in America)
d) number of credit inquiries in last 12 months (I'm not sure how much of the AOR they saw- before it, I had only 3 inquiries).
I asked the CSR if I'd be able to discuss with him the reasons he read to me, and he said all he could do was submit it for review again (and that I'd be denied).
Any advice as to what the next step is? I saw people before have mentioned asking for a supervisor- is that really a viable route?
I don't know if this is relevant, but feel like I've spoken with a call center in India every time I've callen- are CSRs from different locations able to make more decisions themselves?
TIA!