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Frequent Contributor
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
Posts: 23,261
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- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Frequent Contributor
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
Posts: 23,261
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- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Frequent Contributor
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
Posts: 23,261
Registered: ‎10-23-2007
0

Re: Amex question

yes

Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Frequent Contributor
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
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


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Frequent Contributor
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
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

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