Credit Cards

[sal2009]

how long until I shld apply for he Amex spg card? I just recently got accepted for Amex premier rewards gold charge...after multiple recon attempts..had to get manual review bc of old cancelled bk account. I really wanted spg card but got prg bc I heard charge cards easier to get approved. Figured after using a bit

of using prg I would apply. Advice as to when?

[Koop10010]

Since Amex seems to only record a hard pull upon approval, I'd suggest applying in January to get it backdated to Jan. 2012.  If denied, try again every month if you want to, though I might suggest every 3 or so months.

[ionred]

---

Koop10010 wrote:

Since Amex seems to only record a hard pull upon approval, I'd suggest applying in January to get it backdated to Jan. 2012.  If denied, try again every month if you want to, though I might suggest every 3 or so months.

---

Wow. Did I understand that right? If you apply for an Amex Credit or Charge card you only get dinged with a hard pull if they approve you and don't hit your CR with any marks if they deny you? If so, very cool! 

[creditnocash]

---

ionred wrote:

---

Koop10010 wrote:

Since Amex seems to only record a hard pull upon approval, I'd suggest applying in January to get it backdated to Jan. 2012.  If denied, try again every month if you want to, though I might suggest every 3 or so months.

---

Wow. Did I understand that right? If you apply for an Amex Credit or Charge card you only get dinged with a hard pull if they approve you and don't hit your CR with any marks if they deny you? If so, very cool! 

---

if your a amex member yes thats correct. 

[ionred]

---

creditnocash wrote:

---

ionred wrote:

---

Koop10010 wrote:

Since Amex seems to only record a hard pull upon approval, I'd suggest applying in January to get it backdated to Jan. 2012.  If denied, try again every month if you want to, though I might suggest every 3 or so months.

---

Wow. Did I understand that right? If you apply for an Amex Credit or Charge card you only get dinged with a hard pull if they approve you and don't hit your CR with any marks if they deny you? If so, very cool! 

---

if your a amex member yes thats correct. 

---

Ah, so non members get treated the same as if you're app'ing with any other company. It's just once you're in the door and applying for a new line they start to ignore the hard pulls on denials?

[Koop10010]

---

ionred wrote:

---

creditnocash wrote:

---

ionred wrote:

---

Koop10010 wrote:

Since Amex seems to only record a hard pull upon approval, I'd suggest applying in January to get it backdated to Jan. 2012.  If denied, try again every month if you want to, though I might suggest every 3 or so months.

---

Wow. Did I understand that right? If you apply for an Amex Credit or Charge card you only get dinged with a hard pull if they approve you and don't hit your CR with any marks if they deny you? If so, very cool! 

---

if your a amex member yes thats correct. 

---

Ah, so non members get treated the same as if you're app'ing with any other company. It's just once you're in the door and applying for a new line they start to ignore the hard pulls on denials?

---

Should have clarified that.  Yes, as an existing Amex cardmember, future applications seem to only result in hard pulls upon approval.