Amex: Will This Result In Another Inquiry? - myFICO® Forums - 325965

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Hi Gang,

I seem to get a different answer on the following each time...

I was approved for the Amex Green Rewards card less than one week ago. If I apply for a business cc with them, does this result in another inquiry or will they use the recent inquiry? One rep said yes it will and another said no it won't. Has anyone tried this?

-UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 1 of 6

5 REPLIES 5

You will get another INQ-

For scoring purposes- the Amex inq's will deduplicate-

Uncle_Money wrote:

Hi Gang,

I seem to get a different answer on the following each time...

I was approved for the Amex Green Rewards card less than one week ago. If I apply for a business cc with them, does this result in another inquiry or will they use the recent inquiry? One rep said yes it will and another said no it won't. Has anyone tried this?

-UM

Message 2 of 6

Does it mean second Amex inq will not hurt the score?

Timothy wrote:
You will get another INQ-

For scoring purposes- the Amex inq's will deduplicate-
Uncle_Money wrote:
Hi Gang,

I seem to get a different answer on the following each time...

I was approved for the Amex Green Rewards card less than one week ago. If I apply for a business cc with them, does this result in another inquiry or will they use the recent inquiry? One rep said yes it will and another said no it won't. Has anyone tried this?

-UM

Message 3 of 6

yes

concorduser wrote:

Does it mean second Amex inq will not hurt the score?

Timothy wrote:

You will get another INQ-

For scoring purposes- the Amex inq's will deduplicate-

Uncle_Money wrote:

Hi Gang,

I seem to get a different answer on the following each time...

I was approved for the Amex Green Rewards card less than one week ago. If I apply for a business cc with them, does this result in another inquiry or will they use the recent inquiry? One rep said yes it will and another said no it won't. Has anyone tried this?

-UM

Message 4 of 6

I'm assuming that it won't hurt even though another one will show up. I may just wait until Jan 09.

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 5 of 6

Problem is, my Key Biz card only has a $1,000 limit. I can go through that very quickly with biz expenses.

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 6 of 6