SP for Amex AU card holders?

Repo-ed · ‎05-22-2012

Are AU Amex card holders able to take advantage of other AMEX card apps, in that it's a SP if denied - HP if approved?

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

lee645 · ‎02-14-2014

I am curious about this as well, anyone know?

enharu · ‎02-14-2014

from what I understand, if the ACM doesn't have his/her own Amex card as a primary member, all Amex apps are HPs until he/she is approved for one.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myjourney · ‎02-14-2014

@enharu wrote:
from what I understand, if the ACM doesn't have his/her own Amex card as a primary member, all Amex apps are HPs until he/she is approved for one.

Correct

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

evil_ducky · ‎02-14-2014

@enharu wrote:
from what I understand, if the ACM doesn't have his/her own Amex card as a primary member, all Amex apps are HPs until he/she is approved for one.

This makes sense, as it is the primary's credit report that is pulled and later softed. Amex wouldn't have a report on file for the AU to SP for an application.