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Frequent Contributor
Jayb5635
Posts: 319
Registered: ‎08-02-2012
0

Amex App Question

Guys, I applied for the amex platinum a coue days ago. A little while ago they contacted me asking me to unfreeze my experian report. I was busy and said I'd call back tomorrow. It's my understanding if they hard pull a cardmember it's because you're gonna be approved, so is that the case ??? Granted when I filled out the app I was not logged onto the amex site but the rep I spoke with mentioned I had a zync so they know I'm a cardmember lol.


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Established Contributor
scenery_guy
Posts: 958
Registered: ‎07-24-2012
0

Re: Amex App Question

True, HP is typically approval but SP is a decline. However they might just be trying to SP you but they can't as it's locked (or does freezing work that way?). Either way good luck and call them soon!

Valued Contributor
jamesdwi
Posts: 1,906
Registered: ‎09-16-2011
0

Re: Amex App Question

[ Edited ]

Your creditors can SP all day long with a freeze. If it was that eazy to hide 90 day lates, every dead beat would do it...

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Frequent Contributor
Jayb5635
Posts: 319
Registered: ‎08-02-2012
0

Re: Amex App Question

Right, that's why I think I'm approved, they simply want 2 mark the inquiry on my report


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Amex App Question

Ill say, prematurely- congrats on your Amex Platinum!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Community Leader
Senior Contributor
myjourney
Posts: 26,628
Registered: ‎02-07-2013
0

Re: Amex App Question


youngandcreditwrthy wrote:
Ill say, prematurely- congrats on your Amex Platinum!

+1

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Moderator
09Lexie
Posts: 26,030
Registered: ‎09-13-2012
0

Re: Amex App Question

Frequent Contributor
Jayb5635
Posts: 319
Registered: ‎08-02-2012
0

Re: Amex App Question

So I granted amex access to my experian report, and afterwards they said to finish my application they would need form 4506-t.  I told them to cancel the app.  No way I'm providing them that much access to sensitive info, a paystub should suffice.  I'm good with my unicorn lol.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000

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