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Regular Contributor
JustJen
Posts: 156
Registered: ‎01-03-2012
0

Not able to apply online AMEX

I am a current AMEX cardholder and I was attempting to apply for a revolver online and I got a message saying I'm not able to apply for an additional card online, anyone ever seen this before? It said if i had additional inquiries to call. Lol is that their friendly way of saying I have no way in heck of getting a revolver don't waste your time?!?



Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Not able to apply online AMEX

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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
JustJen
Posts: 156
Registered: ‎01-03-2012
0

Re: Not able to apply online AMEX

Good point!



Regular Contributor
JustJen
Posts: 156
Registered: ‎01-03-2012
0

Re: Not able to apply online AMEX

Bump



Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Not able to apply online AMEX

stupid question did you log in? try logging out before looking for cards 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Not able to apply online AMEX


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 ?????


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Not able to apply online AMEX


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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Not able to apply online AMEX


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 ????

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

Re: Not able to apply online AMEX

new card would have 12 months of history, the first card would have 3 months.

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: Not able to apply online AMEX

[ Edited ]

JustJen wrote:

I am a current AMEX cardholder and I was attempting to apply for a revolver online and I got a message saying I'm not able to apply for an additional card online, anyone ever seen this before? It said if i had additional inquiries to call. Lol is that their friendly way of saying I have no way in heck of getting a revolver don't waste your time?!?


Is your Zync NPSL or a hard limit?

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)
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