Amex Subsequent Apps

[Skye12329]

So i could be wrong, but want to make sure. I read on here that applications for Subsequent Amex cards are a SP? Like if you login into your account and apply from there its a SP. Is this correct? I ask for future Backdating purposes or if a new card they release comes out. 

[lg8302ch]

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@Skye12329 wrote:

So i could be wrong, but want to make sure. I read on here that applications for Subsequent Amex cards are a SP? Like if you login into your account and apply from there its a SP. Is this correct? I ask for future Backdating purposes or if a new card they release comes out. 

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From what I understood it is SP if denied and HP if accepted. Backdating = month of app plus year from MSD..so wait until January for subsequent app to max backdating

[longtimelurker]

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@Skye12329 wrote:

So i could be wrong, but want to make sure. I read on here that applications for Subsequent Amex cards are a SP? Like if you login into your account and apply from there its a SP. Is this correct? I ask for future Backdating purposes or if a new card they release comes out. 

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Unfortunately not!   The rule (and there have been exceptions in a bad way) is the if you get DENIED, it is a SP. whereas success is an HP.   

This is good if you really want the card but don't want a wasted HP, most of the time this will work.

[NRB525]

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@longtimelurker wrote:

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@Skye12329 wrote:

So i could be wrong, but want to make sure. I read on here that applications for Subsequent Amex cards are a SP? Like if you login into your account and apply from there its a SP. Is this correct? I ask for future Backdating purposes or if a new card they release comes out. 

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Unfortunately not!   The rule (and there have been exceptions in a bad way) is the if you get DENIED, it is a SP. whereas success is an HP.   

This is good if you really want the card but don't want a wasted HP, most of the time this will work.

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I did not know that. Thanks for clarifying.

Another positive data point about AMEX and how they manage information about the user.

[chalupaman]

From my experience if you just got in with Amex and try to app for another card the same month you got approved for your first card, it will be a HP but once you've established yourself with them, from there on out, it will be a SP for a denial and a HP for an approval.