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Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Not able to apply online AMEX


nicholasyud wrote:

distantarray wrote:

nicholasyud wrote:

distantarray wrote:

remember if you have an Amex you don't want to apply til January cause of backdating.    Member since YEAR + application of new credit MONTH is how they figure things out, you'll have 10 months of extra history if you apply in January.


More details please ?????


Don't understand what you need more details on, but I guess I"ll spell it out better.

 

Amex backdates once you have an account with them. They save the Member Since date (ONLY THE YEAR)

 

 

So if you got a Card in December 2012. you would have 1 month history with Amex in January 2013 right. 

Backdating on Amex works by taking the current month of the application  (January 2013)   and adding the month to the member since YEAR.

 

So  Application month + Member since YEAR. So if your hungry to have aged accounts you'll have the account backdated to January 2012 so even though you JUST got a brand new 2nd Amex in January you'll have a whole year's history.   Ithere's no age benefits if you got the first  and second cards in the same year.


Got it...Thanks......So if i apps for 1 card now and later on in jan 2013 i apps for another cards...then my account history going to be 15 months which Oct + 2012 = 15 right ????

 


no if you get a card now that card will be brand new. 

so in jan it will be 3 months old. 

but if you apply for a second card in jan it will backdate to jan of 12 so that card will be 12 months old instead of 1. the original card is still only 3 months old at that point. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
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Amex Zync(Unicorn)
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Not able to apply online AMEX

[ Edited ]

nicholasyud wrote:

Got it...Thanks......So if i apps for 1 card now and later on in jan 2013 i apps for another cards...then my account history going to be 15 months which Oct + 2012 = 15 right ????

 


two cards total. 

 

First card = 3 months in January

Second Card = 12 months in January if applied and approved then.

 

 

First card = Member Since 2012 

Second Card = January 2013

 

so 2012 + January = January 2012 is 12 years in January.

The first card will only have 3 months. 

 

So

 

First card will report 3 months +

Second card will report 12 months = 15 total months of reporting


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
JustJen
Posts: 154
Registered: ‎01-03-2012

Re: Not able to apply online AMEX

I have a zync NPSL, had it since I guess 12/11. I was logged in when I selected the card I wanted to apply for, once I hit apply it went to a screen to either login or input your card info. I tried logging in again and got the error message, and then I tried using my card info and it said it didn't recognize my info. Do you think they have some of my personal info wrong in their system? I don't know why it didn't recognize my info with the card info I put in. I tried entering it a few times to make sure it just wasn't simply human error.



Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Not able to apply online AMEX


JustJen wrote:

I have a zync NPSL, had it since I guess 12/11. I was logged in when I selected the card I wanted to apply for, once I hit apply it went to a screen to either login or input your card info. I tried logging in again and got the error message, and then I tried using my card info and it said it didn't recognize my info. Do you think they have some of my personal info wrong in their system? I don't know why it didn't recognize my info with the card info I put in. I tried entering it a few times to make sure it just wasn't simply human error.


Hmmm that happened when my wife tried to app for Amex using the info from one of the cards she is an AU on of mine. Im not saying your card is an AU but that was the same error she got. If you still have no luck I would just give them a call and app over the phone - see if they can process it. Did you try a different internet browser? I can only app using Safari for some odd reason.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Regular Contributor
JustJen
Posts: 154
Registered: ‎01-03-2012

Re: Not able to apply online AMEX

I'm the primary cardholder, and there are no authorized users on my account. I will try using a different Internet browser and see if that works.....and I guess if all else fails I can always call in. 



Valued Member
Shiu
Posts: 28
Registered: ‎11-29-2011

Re: Not able to apply online AMEX

I have the same problem and I have tried 3 different browsers. After I select which card I want to apply for they ask to either log in or input my card number but neither of them get passed the loading screen. Might be just a glitch on the Amex website.


Starting Score: EX 644 (Amex Pull) TU 678 (Discover Pull) EQ 639 (Citi Pull)
Current Score: EX 689 TU 716 EQ 639
Goal Score: EX/TU/EQ 700


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