Applied for a card received a mail application not processed.

[muigoku]

After applying received the mail with the below content (Refer image below) -
What could be the possible reason for this? I have a good credit score, no late payments, credit utilization below 5%, salary too is at least more than twice the need for a gold charge card. What should be my next steps if want to apply such that it does get processed? Thanks and awaiting your responses.

 

[aayusharyan]

Write a strong worded email to them citing RBI regulations from this thread and ask for more specific reasons why they declined.

 

[Dhavalsan]

If you have applied for another amex card in the near future then also they can reject the application. I don't recall but the ideal duration is 3-6 months from previous application

 

[NShah]

After applying received the mail with the below content (Refer image below) -
What could be the possible reason for this? I have a good credit score, no late payments, credit utilization below 5%, salary too is at least more than twice the need for a gold charge card. What should be my next steps if want to apply such that it does get processed? Thanks and awaiting your responses.
View attachment 34456

Contact bank for exact reason of rejection
Amex have option chat with agent try through that method

 

[rockking1994]

After applying received the mail with the below content (Refer image below) -
What could be the possible reason for this? I have a good credit score, no late payments, credit utilization below 5%, salary too is at least more than twice the need for a gold charge card. What should be my next steps if want to apply such that it does get processed? Thanks and awaiting your responses.
View attachment 34456

I to had applied an amex mrcc card recently it got delivered today
I to had an problem with my application however I didn’t got a mail
My issue was with documents upload i first uploaded adhar but when the application had no progress for some time I started a conversation with support they said it was in progress
But then they called and said there has been problem with application and resend the document upload link asked for other id than adhar used voter id this time

 

[muigoku]

If you have applied for another amex card in the near future then also they can reject the application. I don't recall but the ideal duration is 3-6 months from previous application

No this was my first amex application

 

[muigoku]

I to had applied an amex mrcc card recently it got delivered today
I to had an problem with my application however I didn’t got a mail
My issue was with documents upload i first uploaded adhar but when the application had no progress for some time I started a conversation with support they said it was in progress
But then they called and said there has been problem with application and resend the document upload link asked for other id than adhar used voter id this time

Weird part is I didn't even got to the part there were 3 pages, after first page I filled my details, I don't remember the exact line in 2nd page but it was all positive, after the 3rd which is the final page for the application submission got the same message written in the page and received an email too.

 

[muigoku]

Write a strong worded email to them citing RBI regulations from this thread and ask for more specific reasons why they declined.

Have written them saying I have a credit score, no active loans, all timely payments, good credit utilization and so would like to know the reason for application not getting processed.

 

[aayusharyan]

Have written them saying I have a credit score, no active loans, all timely payments, good credit utilization and so would like to know the reason for application not getting processed.

Yes, sounds strong email. Let's wait for their response and see. Fingers crossed.

 

[muigoku]

Also, I have a question, the only weird thing I remember is i unchecked 1 checkbox that don't share my details with the 3rd party vendors, could that be the reason for this not getting processed?
Did you all kept it as default without changes to the checkboxes?

 

[aayusharyan]

Also, I have a question, the only weird thing I remember is i unchecked 1 checkbox that don't share my details with the 3rd party vendors, could that be the reason for this not getting processed?
Did you all kept it as default without changes to the checkboxes?

The first time when I applied online, I was rejected. It was so long time ago, I don't even remember what I filled. Then after that, I applied through an agent. I don't know what magic he did, he was able to get it approved. He was so confident because when initially he approached me to sell that card. I said my income is under 5 LPA (yk, just to scare him off that I'm not a potential customer), he was still confident he can get me a card. 🤷🏻‍♂️

 

[muigoku]

The first time when I applied online, I was rejected. It was so long time ago, I don't even remember what I filled. Then after that, I applied through an agent. I don't know what magic he did, he was able to get it approved. He was so confident because when initially he approached me to sell that card. I said my income is under 5 LPA (yk, just to scare him off that I'm not a potential customer), he was still confident he can get me a card. 🤷🏻‍♂️

Woah! that's interesting,

 

[KLB@96]

The first time when I applied online, I was rejected. It was so long time ago, I don't even remember what I filled. Then after that, I applied through an agent. I don't know what magic he did, he was able to get it approved. He was so confident because when initially he approached me to sell that card. I said my income is under 5 LPA (yk, just to scare him off that I'm not a potential customer), he was still confident he can get me a card. 🤷🏻‍♂️

Amex through agent ?

 

[aayusharyan]

Amex through agent ?

Yes, I think it was Westside store in Forum Mall (BLR). But then that was like 3-4 years ago.

 

[muigoku]

Would re applying for the card make any difference? this time I'll keep the default selection and not change anything, if its a wastage of effort then probably I'll skip it.

 

[KLB@96]

Would re applying for the card make any difference? this time I'll keep the default selection and not change anything, if its a wastage of effort then probably I'll skip it.

I guess you cant apply for same card again have to wait 90 days but you can apply other amex card

 

[aayusharyan]

Woah! that's interesting,

ikr! I was intrigued by his confidence so much so that I applied. Hehe.
HE told me the trick to threaten the Customer care every billing year to get the Annual Fees reversed that time 4 years ago.
Stupid me forgot about it till I found this forum and then remembered this trick. 🙈

 

[muigoku]

I guess you cant apply for same card again have to wait 90 days but you can apply other amex card

Just curious if application not processed equal to rejection status? aren't they both different terms

 

[vjm1026]

Write a strong worded email to them citing RBI regulations from this thread and ask for more specific reasons why they declined.

This is very Informative. I feel most of the applications are not appealed because of unawareness.

 

[suhasa010]

Just curious if application not processed equal to rejection status? aren't they both different terms

I got the same "application not processed" email but then a day later someone emailed me asking for additional documents. So I guess it's not really "rejected" but "on hold".