There can be many reasons why your American Express credit card application was denied. Most commonly, applications get denied because of a low credit score, insufficient income, or too much debt.
- Low credit score
- Insufficient income
- Errors on the application
- Recent bankruptcy
- Applicant is under 18 years old
- High debt
- Too many recent credit inquiries
- Recent delinquency or error on your credit report
More information about why your application was rejected will be sent to you by mail in about 7-10 business days after denial. You can also call the application department at (800) 567-1083 to find out more about it.
Ultimately, you can ask for reconsideration if your application is rejected. To do that, call the American Express credit card application department at (800) 223-2670. If that fails, consider becoming an authorized user on someone else’s account, instead.
This answer was first published on 01/10/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
