Amex?

[Mama-j]

I was approved for Amex green on 12/29 and appld for Delta, but was denied and I know it was because my utl was at 56% (I thought CR already reflects my new utl of 10%). Now I want to take advantage of the Jan backdating but I can't apply for another Amex for another 30 days correct? EX is my cleanest report. No collection and 10% utl, 2 lates and 3 inquiries . Whereas my EQ has one 1 collection and 2 lates. And they pulled only EX.

[pizzadude]

That's correct ~ you'll have to wait 30 days from the date you applied for the delta card before you can app again.

[Cdnewmanpac]

You can apply on 1/30. That will still show as 1/12 on credit report, still maximizes backdating.

[jsucool76]

Are you sure you received a 2012 member date? Some apps late in the year will get the next year.

[bs6054]

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@Cdnewmanpac wrote:

You can apply on 1/30. That will still show as 1/12 on credit report, still maximizes backdating.

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And even if you get 2/12, pretty soon the difference will hardly matter.

[SnackTrader]

+1

check the membership date on your card before assuming backdating.

[bichonmom]

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@Mama-j wrote:

I was approved for Amex green on 12/29 and appld for Delta, but was denied and I know it was because my utl was at 56% (I thought CR already reflects my new utl of 10%). Now I want to take advantage of the Jan backdating but I can't apply for another Amex for another 30 days correct? EX is my cleanest report. No collection and 10% utl, 2 lates and 3 inquiries . Whereas my EQ has one 1 collection and 2 lates. And they pulled only EX.

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Try to recon. Amex will recon if the issue you were denied for has changed. Since your util has changed, call and recon.

[Mama-j]

Will that means they need to do another HP?

[Revelate]

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@Mama-j wrote:

Will that means they need to do another HP?

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Yes as they need to verify that the information has changed.  I'd wait the proscribed time and then reapply personally.

[Mama-j]

Yes, I think I'll do that too. Thanks all.