Comment at What CIBIL Score your Amex Card approved

[Theron]

So many Members of this community are getting Amex Cards. I am advising members to comment their CIBIL score at what they got their Amex Cards. We can figure out minimum CIBIL criteria.

 

[Wealth is my birth right!]

So many Members of this community are getting Amex Cards. I am advising members to comment their CIBIL score at what they got their Amex Cards. We can figure out minimum CIBIL criteria.

I got all 3 Amex cards with 780 to 790 range

 

[Theron]

I got all 3 Amex cards with 780 to 790 range

Total how many cards you have bro including other banks?

 

[Wealth is my birth right!]

Total how many cards you have bro including other banks?

13 bro
3amex ten from other banks

 

[Walter White]

2 Amex cards at CIBIL Between 790-810.

 

[senasenthil]

My CIBIL score at the time of denial of Amex MRCC was 780

 

[Theron]

My CIBIL score at the time of denial of Amex MRCC was 780

Have you tried again to get it approved?

 

[poorna.chandra.akp]

I applied for MRCC on March 24th '23 which was rejected. my score at that time is 795. my last cibil enquiry was on Nov 19th '22.

I am unsure what is the reason. the email has the following msg:

"After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application."

Later one executive called me (not bestbanker) told me that i am overqualified for mrcc and instead asked me if i was interested to apply platinum (reserver/travel card I forgot)

 

[karanssh]

My CIBIL score at the time of approval of Amex MRCC was 780

 

[Theron]

I applied for MRCC on March 24th '23 which was rejected. my score at that time is 795. my last cibil enquiry was on Nov 19th '22.

I am unsure what is the reason. the email has the following msg:

"After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application."

Later one executive called me (not bestbanker) told me that i am overqualified for mrcc and instead asked me if i was interested to apply platinum (reserver/travel card I forgot)

I think only Amex can give such reasons

 

[Walter White]

I applied for MRCC on March 24th '23 which was rejected. my score at that time is 795. my last cibil enquiry was on Nov 19th '22.

I am unsure what is the reason. the email has the following msg:

"After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application."

Later one executive called me (not bestbanker) told me that i am overqualified for mrcc and instead asked me if i was interested to apply platinum (reserver/travel card I forgot)

What does it even mean to be overqualified for a credit card? 🤯

 

[senasenthil]

Have you tried again to get it approved?

I thought that the denial was due to 4 CIBIL enquiries at the time of application so I thought of waiting of 3 months before attempting again

 

[senasenthil]

I applied for MRCC on March 24th '23 which was rejected. my score at that time is 795. my last cibil enquiry was on Nov 19th '22.

I am unsure what is the reason. the email has the following msg:

"After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application."

Later one executive called me (not bestbanker) told me that i am overqualified for mrcc and instead asked me if i was interested to apply platinum (reserver/travel card I forgot)

I too applied around the same time and got the same message but did not receive any call further.

 

[V360]

Bro all this is as per algorithm set by Bank - I had 15+ enquiries and still AMEX approved 3 cards without any verification.

My CIBIL was 768.

 

[senasenthil]

Bro all this is as per algorithm set by Bank - I had 15+ enquiries and still AMEX approved 3 cards without any verification.

My CIBIL was 768.

Other than CIBIL score, credit enquires and annual income, what are the other factors considered by the algorithm?

 

[V360]

Other than CIBIL score, credit enquires and annual income, what are the other factors considered by the algorithm?

HAHA - m not into banking Bro.

please check with @BestBanker - he works with AMEX and can help you.

 

[theglobalinvestor]

What does it even mean to be overqualified for a credit card? 🤯

It means they want you to take plat with 70k AF.

 

[LordVoldemort]

I thought that the denial was due to 4 CIBIL enquiries at the time of application so I thought of waiting of 3 months before attempting again

Had the same thought. Got the gold charge approved today, Total inquiries for the past 3 months is 21.

 

[Adwait]

Had the same thought. Got the gold charge approved today, Total inquiries for the past 3 months is 21.

21 enquiries in 3 months or 3 years?

 

[anirban.choudhuryanirban.choudhury is verified member.]

I applied for MRCC on March 24th '23 which was rejected. my score at that time is 795. my last cibil enquiry was on Nov 19th '22.

I am unsure what is the reason. the email has the following msg:

"After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application."

Later one executive called me (not bestbanker) told me that i am overqualified for mrcc and instead asked me if i was interested to apply platinum (reserver/travel card I forgot)

Hahah
Overqualified ??
Really ?
You should have told him, I applied for a Amex card and not a job at Amex .