@Anonymous wrote:
Gotcha. Reading fail. Any suggestions on the most likely approved with just at the edge of a 700 score? So far, the delta is not showing itself useful.
Well, here is what you need to understand about how AMEX uses SP vs HP. All these comments are Most Likely situation based on some triangulation I think I've figured from other commenters.
For prequalifications and the Early Determination of getting a card, the SP (if any) they have on file is used.
At the moment of first application for card #1, they will do a HP. Usually this is EX, not always. The HP is as much for tagging the card applicant in their file, because the SP they have on file, if sufficient, is likely used for that first CL grant. Only if the card application goes to Manual Review do I think the HP comes into play.
As soon as the card is granted, the cardholder has the ability to request a CLI. HOWEVER the review of the CLI is based on the last SP, which may be from several months ago, may be enough to get in the door with a basic card, but if the scores have been increasing recently (looks that way for OP) then the SP may NOT be adequate for a CLI. Note here: The HP that was done at the time of apping is NOT used for this or any other CLI review. Only the latest SP.
As a result, it is commonly suggested that the cardholder wait 61 days after the app to try for a CLI. This has more to do with letting the SP score catch up, not so much some hard and fast rule in AMEX.
Once a CLI has been granted (using the latest SP) then the cardholder has to wait 6 months before any other AMEX Centurion bank card can request a CLI. This is a hard and fast rule.
If an existing AMEX Centurion Cardholder apps for another AMEX Centurion card, then the latest SP is used to validate whether the new card will be granted. Based on the strength of this SP, the card may be granted, may be denied. If the card is granted, a HP is registered, and again, I don't think this HP plays any role in granting the card. Only if the card application goes to manual review could the HP be reviewed. This results in the possibility of an existing Centurion AMEX cardholder apping, getting denied, and still seeing a HP on their report: Even the HP was not enough to get past the Manual Review in that case.
OP, have your scores increased a lot in the last 30 - 60 days? In that case, you may just be too far ahead of where the latest SP is. If you've been denied CLI, how long have you waited after the last CLI denial? I believe there is a waiting period if the CLI is denied. Letting your scores catch up through the SP (which is very hard to determine, others may have suggestions for how to see the last AMEX SP) is advised. Even then, if your usage and payment aren't up to standards, the CLI may be denied.
Good luck!
