Reply
Frequent Contributor
Mekitcat
Posts: 260
Registered: ‎06-23-2011
0

Amex question

I tried searching for the answer but I had no luck to my question. 

 

How soon after getting your card can you apply for another Amex card? I had mine 1 month (Zync)

 

I seen some threads say if your already a member it will be a soft if your pre-approved in their system if not it would be a hard? or if your "not pre-approved they won't pull you at all" is this true?

 

I really want the BCP but I don't know what to do!

 

 


Starting Score:4/5/11 TU 660 fico, EQ 634 fico, EX 647 (Credit Inform)
Current Score:07/04/12 Myfico TU 690 Walmart fico 702, EQ 660 fico 07/05/12, EX fico 689 06/03/2012 (Amex)
Goal Score: 750+


Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: Amex question

Since you have a charge card and want a credit card product, you can apply now.

It will be a HARD pull.

 

However if you sign into your account and then go to apply for additional cards you can by-pass most of the regular application because Amex will fill in the stuff and just ask a couple questions and BAM instant answer usually.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Frequent Contributor
Mekitcat
Posts: 260
Registered: ‎06-23-2011
0

Re: Amex question

Ok next question, I have 2 inq from last month one being Amex for the Zync, and one from Citi (approved $4000CL)

 

and then...

3 from 5months ago.

1 from 10months

1 from 11months

1 from 12months

4 from 14months ago 2 if you count the 3 as1 for my auto loan

 

Do I dare apply? Would they see that as too many inq's?

I know my score should be (I would think) lower 700's if not even a little better but don't know for sure unfortunately.

 

Suggestions? Thoughts?  Help...


Starting Score:4/5/11 TU 660 fico, EQ 634 fico, EX 647 (Credit Inform)
Current Score:07/04/12 Myfico TU 690 Walmart fico 702, EQ 660 fico 07/05/12, EX fico 689 06/03/2012 (Amex)
Goal Score: 750+


Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: Amex question

I wouldn't worry about the INQ.

Once you are a cardmember your score with them only improves in my opinion as long as you are spending on the card and paying in full.

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Frequent Contributor
Mekitcat
Posts: 260
Registered: ‎06-23-2011
0

Re: Amex question

[ Edited ]

 


Creditaddict wrote:

I wouldn't worry about the INQ.

Once you are a cardmember your score with them only improves in my opinion as long as you are spending on the card and paying in full.



Yes, I used that poor little card a lot last month, paying it off right after I used it too.

 

 

Do you think I would stand a good chance at being approved for the CC?


Starting Score:4/5/11 TU 660 fico, EQ 634 fico, EX 647 (Credit Inform)
Current Score:07/04/12 Myfico TU 690 Walmart fico 702, EQ 660 fico 07/05/12, EX fico 689 06/03/2012 (Amex)
Goal Score: 750+


Epic Contributor
Creditaddict
Posts: 20,135
Registered: ‎10-23-2007
0

Re: Amex question

yes

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Frequent Contributor
Mekitcat
Posts: 260
Registered: ‎06-23-2011
0

Re: Amex question

Ok it wasn't an instant decision it just said "Your application has been received you will be notified in 7 to 14 days thanks for applying"

 

so I went to the app status and....

 

 

09/22/11          BLUE CASH PREFERRED(SMS)         Approved          Congratulations! Your application has been approved and you should receive your new card within 7-10 days. If you requested a balance transfer to this card, click here to view the status of that transfer.

 

 

But how do I know the limit? Do I have to wait to get the card?

 

 

And Thanks Creditaddict! I don't think I would of apped with out ya. Now I can officially join the Garden club I wanted a rewards card and now I got it YAHOO!!!


Starting Score:4/5/11 TU 660 fico, EQ 634 fico, EX 647 (Credit Inform)
Current Score:07/04/12 Myfico TU 690 Walmart fico 702, EQ 660 fico 07/05/12, EX fico 689 06/03/2012 (Amex)
Goal Score: 750+


Contributor
Pacman2012
Posts: 298
Registered: ‎08-16-2011
0

Re: Amex question

You can call the good people at AMEX. They should be able to tell you.


Starting Score 8/16/11: TU:552 EQ:575 EX:480 via State Farm
Current Score: TU:608 EQ:601 EX:580 via AMEX
Goal Score: EQ:650 TU:650


Take the FICO Fitness Challenge
Frequent Contributor
Mekitcat
Posts: 260
Registered: ‎06-23-2011
0

Re: Amex question

[ Edited ]

I am unbelievably happy they approved me for $6000!!!!!!!!!

 

eta: it appears they matched the Discover that I'm an AU on. :smileyvery-happy:


Starting Score:4/5/11 TU 660 fico, EQ 634 fico, EX 647 (Credit Inform)
Current Score:07/04/12 Myfico TU 690 Walmart fico 702, EQ 660 fico 07/05/12, EX fico 689 06/03/2012 (Amex)
Goal Score: 750+


Contributor
Pacman2012
Posts: 298
Registered: ‎08-16-2011
0

Re: Amex question

SWEET! CONGRATULATIONS!!


Starting Score 8/16/11: TU:552 EQ:575 EX:480 via State Farm
Current Score: TU:608 EQ:601 EX:580 via AMEX
Goal Score: EQ:650 TU:650


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+