Amex Sorry Your Application Cannot Be Accessed. Please Try Again Later
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Are you trying to cheque your Amex credit card awarding status?
Luckily, Amex makes it very easy to cheque your status.
This article will testify you how to cheque your status online or over the phone.
I'll too show you lot some tips if your credit card application is denied that might permit you get it changed to approved when calling into the reconsideration line.
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How to check your Amex credit carte du jour awarding condition
You can check your awarding condition online or you tin do information technology over the phone. I personally recommend that you lot do it online because that's going to be the quickest and easiest route for many.
Tip: Apply WalletFlo for all your credit carte du jour needs. It's free and will aid you optimize your rewards and savings!
Bank check your Amex application status online
Y'all can bank check your credit card application status hither. (You tin also check on the status of loans every bit well).
Simply practise the following:
- Enter your (full) social security number (SSN)
- Enter your home zip code (the one you used on the application)
- Click "Cheque Awarding"
Be sure to only include digits when entering your social and ZIP Code.
Once you input your personal information, you'll be able to view the status of your credit carte du jour application.
You should also see the status of prior credit card applications as well (both personal and business credit cards should show upwards).
As you tin can see, mine testify "Approved" beneath simply other letters you lot might see are:
- Denied
- In Progress
- Cancelled
Application status: "Denied"
If your status says that you've been denied then you'll probably desire to call the reconsideration line telephone number establish below. Go along reading for more tips on that.
Application status: "In Progress"
If your application is in progress yous may just demand to wait a few days considering Amex is processing your app. Sometimes calling in to the reconsideration line will expedite this only other times y'all must only wait information technology out.
Application status: "Cancelled"
If yous see that it'southward been cancelled you should call Amex immediately to inquire about what happened (there could take been some sort of verification issue).
For all of these, you don't desire to wait too long to act because if you wait longer than say, xxx days, your application may no longer be considered agile and you might have to reapply for a menu.
Check your Amex application condition by telephone
You tin also bank check your American Express application status via phone.
You lot tin try the post-obit telephone numbers:
- 1-866-314-0237
- 800-567-1083
You'll probably be asked to enter the last four digits of your SSN and zippo code when you lot call.
Related: What Does Amex's "Member Since" Date Really Mean?
What Amex cards can I check my application condition for?
You should be able to cheque your status for any personal credit card or business credit bill of fare including:
- Platinum Bill of fare from American Express
- Amex Aureate Menu
- Amex Green Carte du jour
- Blue Business organization Plus Credit Card
- Bluish Cash Preferred® from American Express
- Blue Greenbacks Everyday® from American Express
- Blue Delta SkyMiles® Credit Bill of fare
- Business Green Rewards Card
- Gold Delta SkyMiles® Credit Card
- Platinum Delta SkyMiles® Credit Bill of fare
- Delta Reserve® Credit Carte du jour from American Express
- Delta Reserve® for Business Credit Card from American Express
- Hilton Honors American Express Menu
- Hilton Honors American Express Surpass Carte du jour
- Hilton Honors American Express Aspire Card
- Amex EveryDay® Card
- Amex EveryDay® Preferred Card
- The Business Golden Rewards Card
- The Plum Carte®
- Gold Delta Skymiles® Concern Credit Card
- Platinum Delta Skymiles® Business Credit Card
- The Business organisation Platinum Card®
- Lowe's Business organisation Rewards Menu from American Express
- SimplyCash® Plus Business Credit Carte
Related: American Express Travel Notifications Guide: Are They Needed?
How long does approval have?
If your credit carte approval is non instant it could take a couple of days for your application to procedure. In my personal feel, I've never had to wait longer than a handful of business organization days.
If you suspect things are lingering too long then bank check with the reconsideration line number below.
How long does information technology take to receive an Amex bill of fare?
You should receive your card within 7 to ten day business days. All the same, for some cards like the Platinum Card Amex volition allow yous to receive information technology with expedited aircraft then the delivery time could be much quicker.
Once you are approved, y'all should immediately request expedited shipping or else information technology might be too late.
Can I check for credit limit increase blessing?
Annotation that the higher up website is not where you you lot'll meet the condition of a credit limit increment asking or a balance transfer.
If yous have requested either a line of credit increase or a balance transfer on an existing American Express card account, call the number on the back of your card regarding the status of those requests.
Yet, if you requested a balance transfer for your new credit bill of fare, you should be see a link taking you to a screen where yous tin check on that.
It will state:
If you requested a balance transfer to this card, click here to view the status of that transfer
Y'all'll then exist taken to a new screen where you might have to verify your date of birth to keep.
Amex credit card rules
Amex, like many other major credit carte du jour issuers, has a few specific rules yous need to take into consideration when applying for their credit cards. Past the way, if y'all detect all of these credit card rules a fiddling complex and confusing, be sure to check out the costless app WalletFlo that volition automate the calculations for all of these.
The Amex 2/xc twenty-four hour period rule
The Amex ii/90 ruledoes not let for y'all to be approved for more twocreditcards within any 90 twenty-four hours period.
Remember, this rule applies to credit cards, not charge cards.
Some applicants are lucky enough to get around this dominion and get 3 credit cards in 90 days, but by and large they are the exception to the dominion.
Things are different when it comes to charge cards, though.
At that place is no strict limitation on charge cards. Even so, I would limit charge bill of fare applications to about 2 per 90 day period but to be on the condom side.
One credit card awarding per twenty-four hour period
American Express application rulestypically (though not ever) limits you to one Amex credit card blessing per 5 business days.
Again, this does non apply to charge cards but but credit cards. Also, some people have been able to become around this rule in the past.
5 Amex credit cards total
American Express used to limit consumer to iv total credit cards only now they allow usually allow you to hold 5 credit cards at a maximum.
Once over again, this dominion does non apply to charge cards and there are people who take constitute means to become around this rule.
Bonuses are in one case per lifetime
One of the most important American Express application rules to know about is theonce per lifetime bonus rule.
This means that once you open up a specific carte, you can never earn the bonus for that card ever again even if yous cancel your carte du jour and reapply.
There'southward no distinction between charge cards and credit cards with this rule, either.
Crevice down on gaming
American Express has cracked downwards on gaming and has decided to start denying welcome bonuses to those who they believe are trying to game the organisation.
Now, Amex will tell y'all if yous are non eligible for a welcome offering before they ever run your credit.
For more on these rules, I suggest that y'all read my primer on applying for American Limited credit cards.
Tip: Utilize WalletFlo for all your credit card needs. Information technology's free and will help you optimize your rewards and savings!
Amex credit card reconsideration line
If you're not approved for your credit card so you lot'll probably want to phone call upwardly to the Amex reconsideration line. This phone line gives you the chance to plead your example and testify why you should be approved for a card.
Amex afterthought phone number and hours
Here are the phone numbers and hours for the Amex reconsideration line.
- For new customers: 877-399-3083
- For current customers:866-314-0237
Hither are the hours of operation:
- Mon to Friday: 8am to 12am
- Saturday: 10am to half dozen:30pm
- Sunday: Closed
What to say in a afterthought telephone call
Handling a reconsideration call isn't very difficult simply there are a few things you should consider.
The first is that you need to have a good reason for why you're seeking a card.
Here are some good reasons for seeking new credit cards:
- You lot need the credit carte du jour(s) to assist segregate your expenses for some reason (east.g., starting multiple businesses)
- You're switching or trying to build up a human relationship with a certain airline like Delta
- Y'all don't want to pay foreign transaction fees or you are attracted to another benefit (e.1000., chief rental car insurance)
- You lot prefer one interest charge per unit (APR) over another (especially when dealing with residuum transfers)
Generally, it's not a adept idea to tell the telephone reps that yous're simply going after a carte du jour considering you lot call back it has a not bad sign-upwardly bonus. That will make you expect similar an unprofitable customer, or even worse, a "gamer" which Amex has come to despise.
Amex credit pulls
American Express is known to pull from the credit bureau Experian.
Merely one cool affair about Amex is that they don't always perform a hard pull on your credit card application.
If yous're a current customer then Amex will frequently only perform a soft-pull if they reject your credit card application. And sometimes Amex volition even perform a soft pull when they corroborate your application.
I don't think anybody knows exactly how to predict which blazon of credit pull volition exist done by Amex simply it's adept to be aware of these.
At that place also might be some link between soft pulls and applying for Amex pre-qualified credit carte du jour offers.
Amex Refer a Friend
Amex has a program called Amex Refer a Friend which allows y'all to send your referral awarding links to friends and family and if they are approved then you'll go a nice cutting of points or miles.
There is no fashion to check on the approval status of other people who have used your links though, so you'll often have to personally verify that they used your link and were accustomed. Yous can read more about the Amex Refer a Friend program here.
Final give-and-take
American Express makes information technology very easy to bank check on the status of your credit bill of fare and loan applications. Information technology's a good thought to review all of the unlike Amex application rules and then that you have a proficient idea of what to expect when it comes to the outcome of your credit card application.
UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a committee from carte issuers. Responses are non provided or commissioned by the bank advertiser. Responses have non been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit menu app, WalletFlo. He is a former attorney turned full-fourth dimension credit menu rewards/travel expert and has earned and redeemed millions of miles to travel the world. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Mag, Forbes, CNBC, US News, and Business organization Insider. Find his full bio here.
Source: https://www.uponarriving.com/amex-credit-card-application-status/
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