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Forums Payment cards American Express Refused BAPP

  • sm 185 posts

    Evening. My 18 year old uni student daughter currently has a gold rewards card which we opened almost 6 months ago. Always made full payment. She’s on the electoral roll at home but living in halls. She applied for the BAPP card today hoping to get 42k avios bonus ( referred by myself of course ) but was rejected. She doesn’t have any other cards except student debit card. Her Experian credit rating is 999. She entered the household income in addition to her and put the home address down on the application. Any ideas why she would be rejected when she was approved for the gold card immediately?
    Many thanks in advance.

    Cranzle 277 posts

    Most probably because the income doesn’t warranty further credit under AmEx’s risk assessment .

    John 1,041 posts

    The Experian random number generator does not indicate whether you will be approved for credit. Bankrupt people have been rated 999 by Experian.

    Benilyn 153 posts

    I am aware of 2 others who got BAPP rejections in the last few weeks, who have existing cards and have generally always been accepted…

    DonLee 229 posts

    Could there be address issue?

    Harrods 123 posts

    My only one credit card had a credit limit of £35,000 (through me consolidating from other Amex credit cards/moving limits across). I thought this must be the upper end of what Amex would be willing to lend.

    I applied for BAPP last week, application decision was not immediate – I was asked to submit payment slips and was subsequently approved with £10k.


    • This reply was modified 54 years, 5 months ago by .
    sm 185 posts

    Thank you all for your replies. Her current account is registered at home. I guess it could be amount of credit and lack of income too – limit is £6k for the gold card.

    Oh darn. Would be excellent to get another premium companion ticket…

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