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Amex App Question

Established Contributor

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 $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 1 of 8
7 REPLIES
Established Contributor

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!

Message 2 of 8
Valued Contributor

Re: Amex App Question

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 3 of 8
Established Contributor

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 $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 4 of 8
Senior Contributor

Re: Amex App Question

Ill say, prematurely- congrats on your Amex Platinum!
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 5 of 8
Super Contributor

Re: Amex App Question


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

+1

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 8
Moderator Emerita
Message 7 of 8
Established Contributor

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 $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 8 of 8