need a 10 000 dollar loan

Maybe then they will be so impressed, that they will over look a few points if you have marginal scores.

The use of this system will help you build up your FICO Score between 50 to 90 points.

Of course then it's TOO LATE to cancel.

Consider putting it in ING direct or some money market fund where it takes a couple of maneuvers to get to it. That way, you earn interest on it, it's got your name on it, and you have to wait at least three days to get access to it.

Dixie, that doesn't mean denial. I applied online for all of my Amex cards. 3 of 4 were immediately approved online, my blue card gave me the same message you got. I don't think you need to wait til Monday. I think you can call 1-800-the-card before 2pm today and you should be able to talk to the app dep't. Good luck.