Amex Plat Travel card getting rejected !

[BMR]

Hi TF Team,

So my wife has my supplimentary MRCC, Plat Travel and Gold cards. She also has her own secured credit card from IDFC (WOW) with a 20k limit, which I got for her to generate her CIBIL score. Credit age is 1.6 years and she is salaried. She has no unsecured credit card.

Her cibil is 776 now and I applied for Amex Plat Travel for her, but amex rejected it. This has happened twice in 4 months.

I had a chat with Amex customer care and I asked them if holding supplimentary card is the reason why she is being denied, and they said it should not matter.

Any idea what could be the reason, and how I should strategise this to get a card for her ?

Thanks

 

[helloworld]

Get the reason for rejection first through same chat or drop a mail to further process the application.

AMEX mainly depends on
1. CIBIL Score - Checked in your case
2. Serviceable location - Hopefully address serviceable
3. Good credit history with no payment defaults - Hopefully none in your case
4. Income >6L - This case to case basis

Preferably get unsecured card from her bank account as pre-approved, if possible then apply but anycase first find the reason for rejection as per rbi guidelines.

 

[BMR]

Get the reason for rejection first through same chat or drop a mail to further process the application.

AMEX mainly depends on
1. CIBIL Score - Checked in your case
2. Serviceable location - Hopefully address serviceable
3. Good credit history with no payment defaults - Hopefully none in your case
4. Income >6L - This case to case basis

Preferably get unsecured card from her bank account as pre-approved, if possible then apply but anycase first find the reason for rejection as per rbi guidelines.

Thanks for your response, well summarised. I shall find out and update this thread.

 

[Credit_Cards]

Thanks for your response, well summarised. I shall find out and update this thread.

as per RBI Guidelines you shall be provided with exact reason for rejection get that from Amex and get it sorted

 

[nikhilv0303]

Any idea when Amex is going to start issuing new cards?

 

[BMR]

Any idea when Amex is going to start issuing new cards?

just had a chat with the agent yesterday...before even asking, he said he does not know when they will resume accepting new applications. For now, only upgrades are being done.

 

[nikhilv0303]

just had a chat with the agent yesterday...before even asking, he said he does not know when they will resume accepting new applications. For now, only upgrades are being done.

Does it make sense to upgrade MRCC to Plat travel?
Don’t use my MRCC other than the monthly 20k and 4*1500 milestone

 

[InfamousInfamous is verified member.]

Does it make sense to upgrade MRCC to Plat travel?
Don’t use my MRCC other than the monthly 20k and 4*1500 milestone

Depends if you don't have any Travel card and your spends are more than 4 Lakh, you should get it if you need Marriott stays or some airmiles for example.

 

[BMR]

Does it make sense to upgrade MRCC to Plat travel?
Don’t use my MRCC other than the monthly 20k and 4*1500 milestone

Plat travel is the best card I have since it gives me 48k points for an annual spends of 4 lacs. But I also love the MRCC for 24k points. So it actually depends on your spends and use case. In my opinion, one should have both the cards.

 

[nikhilv0303]

Plat travel is the best card I have since it gives me 48k points for an annual spends of 4 lacs. But I also love the MRCC for 24k points. So it actually depends on your spends and use case. In my opinion, one should have both the cards.

48k points equivalent in Apay vouchers is how much?