Updated on December 15, 2018
AMERICAN EXPRESS CREDIT CARD APPLICATION STATUS
After you apply for an American Express credit card online, you may not get instantly approved. Don't panic! That doesn't mean you were denied. You can easily check the status of your application at any time online. Here's how you do it and the steps you can take to turn your “pending” or even possibly a rejection into an approval. This is what I saw for a recent American Express card application.
HOW TO CHECK YOUR AMEX APPLICATION STATUS
There are two easy ways to check your American Express Application status. I suggest checking online first and it is super easy and you find out the results in a few seconds. The second way is by calling American Express. Both methods are explained in detail below.
How to check your American Express Application Status ONLINE:
The fastest and easiest way to check your application status online. Follow these steps:
- Go to American Express Card Application Status website.
- Enter your social security number and the zip code you entered on your credit card application.
- Click “CHECK APPLICATION”.
Often times, I find that Amex does not instantly approve new credit card apps. For whatever odd reason, they wait 1 minute before approving, so after each Amex credit card application, I immediately load the American Express Card Application Status website and am always pleasantly surprised that it shows APPROVED!
Here is an example of the results:
How to check your American Express Application Status by PHONE:
- Call 800-567-1083 or 866-314-0237 (M-F 6-8pm MST).
- The system will ask “are you calling to apply for a new card or check the status of your application”. Say “Yes”.
- Next, say “status” to get the right team.
CALLING AMERICAN EXPRESS – Reconsideration Phone Line / Number
If the American Express application status does not show “Approved”, the next step is to speak with a rep. The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your application has not been rejected yet and is merely pending.
If your Amex application status is denied or pending, you can call 800-567-1083 or 866-314-0237 to speak with a live credit analyst. Credit analysts have the power approve you over the phone – so be nice!
I have also found the credit analysts to be the most lenient at Amex vs. the other big banks. Amex might still be hurting from their recent loss of Costco and will go the extra step to acquire new customers (just my theory).
What to Say to the Amex Credit Analysts
Remember – the Amex credit analysts have the power to approve you over the phone, so you want to be as accommodating as possible. I have found conversations with Amex and Chase credit analysts to be VERY similar, so rather than rehashing what's already been posted, please see the tips on what to say to Chase credit analysts.
The only part that diverges is my recommendation on small business credit cards – Chase has been really strict on approving business credit card applications but American Express is still equally as lenient with business apps as with personal apps.
In the rare event the credit analyst does not budge on approval, politely hang up and call again to get a different credit analyst. Often times, the decision is a judgment call and you want to catch the right rep at the right mood. If still no dice after 3 different credit analysts, ask to speak to a supervisor and plead your case. Again, it is YMMV, but this is where you really need to sell yourself. If its a few missed payments on your credit report that's holding you back, surely there is a plausible story of why that happened where he/she can sympathize, right?
Max Number of Amex Cards
Keep in mind that the maximum number of American Express credit cards is FOUR (4). If you already have four (4) active Amex credit cards, you will NOT get approved for a 5th. This limitation only applies for credit cards (personal and business cards combined) and NOT charge cards. I learned the hard way about this rule, but don't worry, hope is not lost.
Call up Amex to cancel one of your credit cards. Then call back the reconsideration phone number and ask the representative to reconsider / reprocess the application. The application goes from DENIED back into IN PROGRESS stage without an additional hard pull. If you have reached this point, the underwriting team is the unit that reviews the application, and unfortunately, they are not customer-facing, which means you will just have to hang tight for a couple of weeks.
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