You can check your American Express credit card application status online or over the phone at (888) 826-3471 . Both methods only take about a minute to do, so use whichever is more convenient for you. You’ll need to provide the same basic personal information in both cases. Let’s go through the steps.
Here’s how to check your American Express credit card application online:
Enter your home zip code (the one you used on the application).
Click the “check application” button at the bottom of the page.
The system will then take you to a page listing the status of any American Express applications you’ve sent in. It will say “approved,” “denied,” “in progress” or “cancelled.” There’s also a helpful “next step” box beside the status that will guide you through what to do after checking.
An “in progress” status may tell you how long you can expect to wait, which could be anywhere from a few days to over a week. A “cancelled” status, according to users who have experienced it, most likely means Amex needs more information to verify your identity.
Here’s how to check your American Express credit card application status over the phone:
When prompted to say what you’re calling about, say “application status.”
Say or type the last 4 digits of your SSN when asked.
Say or type your zip code when asked.
Listen for your application status.
That’s all there is to it. Neither method is more involved or takes much more time than the other. If you’re approved, you should receive your card in 7-10 business days. If you’re denied, you can always call Amex’s reconsideration line at (866) 314-0237. But you’ll have to make a good case for why they should approve you (e.g. your income recently went up or some of the information on the application was incorrect).
The American Express exchange rate varies on the type of currency conversion you select at the time of purchase. So, there’s a different Amex exchange rate between the U.S. dollar and approximately 80 other currencies, and they all fluctuate from day to day. Popular Amex currencies include the Canadian Dollar, the British Pound, the Euro, and the Mexican Peso.… read full answer
What you should know about the American Express exchange rate:
The Amex exchange rate is automatically applied to international purchases charged to Amex credit cards.
American Express FX International Payments customers can access their accounts online to get the day’s exchange rates. These rates are not available to the public, but you can enroll for free if you have a U.S. business bank account. An American Express card is not needed.
Exchange rates between the U.S. dollar and all other currencies fluctuate daily. But because American Express does not publish them openly, it’s difficult to track them. Visa and Mastercard on the other hand, publish their exchange rates continuously.
It’s also useful to know that if you make a foreign transaction using your checking account, debit card or prepaid card, the exchange rates are the same as those used for credit cards.
The American Express rewards catalog is an online brochure that shows merchandise and services for which cardholders can redeem their Amex Membership Rewards points. It displays products, along with the number of points needed for redemption. The catalog is available electronically on Amex’s website.
The Amex rewards catalog has many different product categories. They include gift cards, travel, electronics, fashion and accessories, homeware, charities, experiences and more. Some items are more worthwhile than others. Before buying, look up the dollar price of the item you want and divide it by the amount of points it costs. That shows you the value of an individual point toward each offer so you can choose options that are most worth it.… read full answer
If you see an offer you like, you can click “Find out more” to view additional details. Then, if you decide to redeem your points, you can click “Add to Cart” or “Transfer my points,” depending on the product. Amex will prompt you to log in to your account and trade your points for the reward.
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