Hi all, I was denied by Amex for the Marriott Bonvoy Business card due to “too many recently opened cards,” even though I’m currently at 4/24. Here’s my lineup:
- BOA Customized Cash – 3/23/2023
- Chase Prime – 7/26/2024
- Cap1 Venture – 7/26/2024
- Sapphire Preferred – 10/07/2024
- Citi AA Platinum – 11/24/2024
My most recent application was almost 10 months ago—wouldn’t that be considered long enough? I’ve called recon three times, but they keep saying the same thing and that there’s nothing they can do. I really want this card to help me reach Marriott Titanium. Does anyone have advice or tricks to improve my chances of getting approved? Any input is much appreciated!
Getting denied for “Too many recently opened cards” when I’m at 4/24.
byu/Ayasa42 inCreditCards
Posted by Ayasa42
8 Comments
Depends which credit cards you’re going for
Your entire credit profile is considered when you apply, so you are likely being denied for other reasons beyond *just* the one you were provided. For example, 4/24 is a lot different for someone that has (say) 6 credit cards total and 20 years of credit history verses someone with 15 credit cards and 5 years of credit history.
It is because your oldest card on your list is just barely over 2 years old and everything else is less than 2 years old which makes them all “recent” if you don’t have anything older.
I don’t think that is the main issue. When I opened the amex gold I was 5/6 and they still approved it.
Definitely weird, I’m at 5/24 and got approved for the Delta Gold Biz / BBP. It might be about business income possibly?
I’ve applied and was denied for a BCP few months back and my most recent card was 9 months prior to that. I had 2/24. I had a theory on 12 months min on when I got my most recent card before applying again was approved. 13 months from my most recent card.
My advice, wait until 12/2025 to apply again.
Recent is relative. I was denied for “recent charge-off activity”. After a number of calls to recon, i found out that they meant a charge off that was 17 years prior.
Its definitely not the reason, I am 8/24 on personal cards and have 4 business and 2 personal amex cards opend the past few months (2 business platinums, business gold, blue Business plus, delta gold, personal platinum) and my entire credit profile is just 12 months (I just turned 19 and got my first card the day I turned 18)