Applying for an American Express card is an exciting step towards unlocking a world of benefits, but the waiting game for a decision can feel like an eternity. While many applicants receive a decision instantly, some experience a pending status. Understanding the factors that influence this timeline and knowing how to check your application's progress can alleviate anxiety.
How Long Does American Express Take to Make a Decision?
"How long will it take?" This is often the first question that pops into mind after submitting a credit card application. For American Express, the answer is often minutes, but it can stretch to days, or even weeks, depending on various factors.
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| How Long Does American Express Take To Make A Decision |
Step 1: The Instant Gratification (or Not!)
Did you just hit "submit" on your American Express application? Congratulations! Now, let's talk about what happens next.
Instant Approval: The Dream Scenario
Many American Express applications are approved within minutes. This is the ideal outcome, especially if your credit profile is strong and there are no immediate red flags. You'll often see an approval message right on the screen after submitting, or receive an email shortly after. This quick turnaround is due to sophisticated automated systems that can rapidly assess your creditworthiness.
Pending: The Waiting Game Begins
However, it's not always instant. If you don't receive an immediate approval or denial, your application status will likely be "pending" or "under review." Don't panic! This doesn't necessarily mean bad news. It simply means American Express needs a little more time to conduct a manual review of your application. This could be due to:
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Verification of personal information
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Recent credit inquiries
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Income verification
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System flags requiring human review
Step 2: Understanding the "Under Review" Phase ️
When your application moves to "under review," it means a human, not just an algorithm, is taking a closer look.
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Common Reasons for a Delayed Decision
Several factors can contribute to a delayed decision:
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High Volume of Applications: During peak seasons or for popular card offers, American Express might experience a higher volume of applications, leading to slightly longer processing times.
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Need for Additional Information: Amex might require further documentation or clarification. This could be to verify your income, address, or other details you provided.
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Complex Credit Profile: If your credit history is intricate, with recent inquiries, new accounts, or a high debt-to-income ratio, Amex might take more time to assess the risk.
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Existing Relationship with Amex: While an existing relationship can sometimes expedite things, if you already have a significant amount of credit with American Express, they might need to evaluate your overall exposure.
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Errors in Application: Even a small typo or missing information can cause a delay. Ensure all details are accurate before submitting.
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Application for a Business Card: Business credit card applications often involve more in-depth review processes compared to personal cards, as they assess both personal and business finances.
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"Amex Rules": American Express has specific "rules" regarding how often you can be approved for new cards (e.g., typically 2 credit cards every 90 days, 1 credit card every 5 days, and a maximum of 5 credit cards overall). If your application triggers these rules, it will likely be reviewed manually.
Typical Timeline for Pending Applications
While there's no fixed rule, if your application is pending, American Express generally communicates a decision within 7 to 10 business days. In some cases, especially if additional verification is needed, it could take up to 30 days or even 60 days.
Step 3: Checking Your Application Status
The waiting can be tough, but thankfully, American Express provides easy ways to check your application status.
Online Application Tracker
The most convenient method is usually online.
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Visit the Official Amex Application Status Page: American Express typically has a dedicated page on their website for checking application status.
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Enter Required Details: You'll usually need your registered mobile number or the 14-digit application reference number that was provided in your application confirmation email.
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View Status: Once you submit the details, you'll see your application status: "Approved," "Denied," or "Pending/Under Review."
Phone Call to American Express
If you prefer to speak to a human or need more detailed information, calling is a good option.
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For personal cards, you can typically call the American Express New Accounts line (the number is usually found on the "Contact Us" section of their website or within your application confirmation).
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For business cards, there's often a separate number.
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Be prepared to provide your application reference number and other personal identification details for verification.
Email Correspondence
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In some cases, especially if there's a significant delay or if Amex requires additional information, they might reach out via email. You can also sometimes email Amex customer support with your details to inquire about the status, though this might be a slower response method (expect 48-72 hours).
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Step 4: What to Do If Your Application is Pending or Delayed ♀️
A pending status doesn't mean all hope is lost. There are proactive steps you can take.
Patience is a Virtue (Initially)
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Give it a few days. If you just applied, especially over a weekend or holiday, it's normal for it to take a couple of business days to update.
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American Express often states they will contact you if they need more information.
Consider Calling the Reconsideration Line
If your application has been pending for an extended period (e.g., more than 7-10 business days) or if you've been outright denied and believe there's a misunderstanding, consider calling the American Express reconsideration line. This is a dedicated department where you can speak to an analyst, provide additional information, clarify any discrepancies, and potentially advocate for your approval. Be prepared to explain your financial situation, why you applied for the card, and how you plan to manage the credit responsibly.
Provide Requested Documents Promptly
If American Express contacts you requesting additional documents (e.g., proof of income, address verification), provide them as quickly and accurately as possible. Delays in providing these can significantly extend the decision timeline.
Review Your Credit Report
It's always a good idea to review your credit report from all three major bureaus (Experian, Equifax, and TransUnion) before applying for credit. However, if your application is pending, revisiting your report can help you identify any inaccuracies or issues that might be causing the delay. Discrepancies could lead to Amex needing more time to verify your information.
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FAQs: Getting Your American Express Application Approved
Here are 10 frequently asked questions about American Express application decisions, with quick answers to guide you:
How to get an instant approval from American Express?
To increase your chances of instant approval, ensure your credit score is strong, your income is sufficient for the card you're applying for, and all information on your application is accurate and matches your credit report. Applying for a card for which you are "pre-qualified" can also lead to faster approvals.
How to check the status of my American Express application online?
Visit the American Express "Check Application Status" page on their official website and enter your registered mobile number or the 14-digit application reference number.
How to contact American Express about a pending application?
You can call the American Express New Accounts phone number, which can be found on their official website's "Contact Us" section, or the specific number provided in your application confirmation email.
How to know if my American Express application is denied?
If your application is denied, American Express will typically send you a letter (physical mail or email) explaining the reasons for the denial. You might also see "Declined" when checking your status online.
How to reapply for an American Express card after a denial?
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It's generally recommended to wait at least 3-6 months after a denial before reapplying. Use this time to improve the areas that led to the denial, such as lowering debt, increasing income, or correcting errors on your credit report.
How to improve my chances of American Express approval?
Maintain a good credit score (typically 670+ for most Amex cards), have a stable income, keep your credit utilization low, and ensure there are no recent negative marks on your credit report.
How to handle a request for more information from American Express?
Respond promptly and accurately to any requests for additional documents or information. Delays in providing these can further prolong the decision-making process.
How to understand the American Express "2/90" and "1/5" rules?
The "2/90 rule" generally means you can be approved for a maximum of 2 credit cards within a rolling 90-day period. The "1/5 rule" means a maximum of 1 credit card every 5 rolling days. These are informal guidelines, but generally observed.
How to find the American Express reconsideration line number?
The American Express reconsideration line numbers are not always publicly advertised, but a quick online search for "American Express reconsideration line" or "Amex credit card reconsideration" will often provide current numbers shared by other applicants.
How to get my new American Express card faster after approval?
Once approved, American Express typically mails the card within 7-10 business days. Some premium cards might offer expedited shipping, which you can inquire about once approved.
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