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AMEX Inquiry WARNING!

Frequent Contributor

Re: AMEX Inquiry WARNING!

Based of my thoughts here, a business app is completely different than your personal card. Since they would be checking the business credit as well, Im not surprised that you also had a hard pull on EX. 

 

 

Message 11 of 16
Established Contributor

Re: AMEX Inquiry WARNING!


shane82388 wrote:

I got my personal Green AMEX last august...and i was under the impression any card from the inital card you get with AMEX will simply be backdated just the same as my original Green AMEX card...so 2011, regardless of when you apply.


That's what I thought as well at first, but then I found out the month of the new application + the year of member start date is what factors in. So if you got approved now you'll only be getting 14 months of history. In January you would only be upto 17months of history on the new card.

 

If you wait until January to apply you'll be getting 24 months of history off the new card from the start.

 

 

 


nada9188 wrote:

Based of my thoughts here, a business app is completely different than your personal card. Since they would be checking the business credit as well, Im not surprised that you also had a hard pull on EX. 

 

 


This sounds reasonable, is the business under sole prioitor proprietorship or registered as an LLC? Although sometimes it doesn't matter because some cards require personal guarenttee

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 12 of 16
Regular Contributor

Re: AMEX Inquiry WARNING!

I assume if your applying for a CC you should be well prepared to take a inquiry hit. As with anything a SP is never a sure thing. I would try to recon though since you took a inquiry you might as well try to get approved.

Transunion (Credit Karma)- 815 (4/9/17)
Experian Fico (Amex)- 795 (4/9/17)
Vantagescore (Alliant)- 811 (4/9/17)
Equifax - 811 CK, 820 Citi (4/9/17)
Message 13 of 16
Senior Contributor

Re: AMEX Inquiry WARNING!

Yep... I'd say since it's a Business App; it doesn't work the same :-P
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 16
Valued Contributor

Re: AMEX Inquiry WARNING!

i just apped for Blue cash about 2 weeks ago no INQ when i called they said it was a SP from like 2-3 months ago so only an SP no HP because i was denied. i wonder if a business app is always a HP?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 15 of 16
Established Contributor

Re: AMEX Inquiry WARNING!

It's not. I've done this with no hard inquiry about 3-4 times in the past 6 months. Never a hard inquiry until now.
$1200 $1250 $4250 NPSL $5300 $1350 $3000

$6050 $5000 $10500 $2416 $6500 $3000
Message 16 of 16