2 apps one inquiry? I might have.....

[ztnjpv]

Too early to tell for sure but I just did applications with Amex yesterday. I seized the limited time 75,000 point offer for Amex Business Gold. Approved. Then, while still on the phone with application rep, I contemplated getting the SPG biz card as well. I even told the rep I may as well try now to see if I get two inquries or just the one. She assured me I would get two. But I was curious if Experian would disregard the second because it had the same date. I didn't apply. I waited. Later on around 11.40 last night, I pulled the trigger. Approved. 

After the first application for the Gold, I checked Freecreditreport.com and sure enough: Inquiry by Amex dated 5/17/13. So, this morning, I updated my report and I still only have the one inquiry listed. Hmmmmm. 

Is this a Freecreditreport.com glitch? Not sure. I know that new inquiries show up instantly so I should have had two inquiries from Amex yesterday but I only have one. If this holds, my experiment and hopes will have been successful, What a bargain. two cards, one inquiry and no effect on AAoA since both are business. 

We'll see.....

[CardsLifeLine]

You will have only one inquiry for the Amex cards which you apply with in 30 days... Second inquiry will be a soft pull .. Also u will be eligible for only 2 revolve cards for a period of 90 days ... If you submit another application now it will be cancelled with above said reason.. Congratulation on ur success and u will sure enjoy Amex relationship in all ways ... Happy weekend and enjoy the two successes ..

[j_casteel]

congrats!

[pizzadude]

---> You will have only one inquiry for the Amex cards which you apply with in 30 days... Second inquiry will be a soft pull

Just a clarification ~ this is only true if you are denied for the second application. Anytime you are approved for an AMEX it will result in another hard inquiry, with a few exceptions, possibly like the OP described. Sometimes a second AMEX app which is submitted immediately after the original app won't result in another hard pull ~ but it doesn't always work out that way.

[ztnjpv]

Cardslifeline,

thanks for the tip! So the reps are very misinformed on this matter aren't they? 

So does this mean going forward? If I do an additional application for any Amex card I may be approved with no hard inquiry? Is this personal or business alike? I am asking this because I have no personal Amex card yet. I knew that I could apply for one and get no inquiry, I may just do that.

[ztnjpv]

Pizzadude,

OK. Just saw your clarification. that whole 30 or 90 day thing did seem a little too good to be true. However, on what I just did, I had a good feeling it might work because it was the same day and both were business....though one was cobranded. 

Next time (whenever that may be), I will try a personal and business on the same day and see if that yileds the same result. 

Anyone reading this have experience with that tactic? Curious....

[Odiseous]

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@CardsLifeLine wrote:
You will have only one inquiry for the Amex cards which you apply with in 30 days... Second inquiry will be a soft pull .. Also u will be eligible for only 2 revolve cards for a period of 90 days ... If you submit another application now it will be cancelled with above said reason.. Congratulation on ur success and u will sure enjoy Amex relationship in all ways ... Happy weekend and enjoy the two successes ..

---

As of Jan 2012, neither of the highlighted items above are acurate.

I added 3 revolvers in Jan 2012 (BCE, Clear, HHonors), I apped all one immediately right after the other. BCE was instant approval, manual review on the other 2. After a couple of days. the Clear and HHonors were also approved. In the end, I ended up with 2 inquiries.

[electra]

I apped a couple of nights ago for a BCP and got THREE HP (EQ, TU AND EX) AND got the dreaded 14 day notice.   Still says "In Process" on the AMEX application status page.