amex decline

[stevehbold]

If i was denied from the blue card , will i be able to call and maybe have them see if i qualify for the zync ? or do i need to wait and have another hard pull in 30 or 60 days? not sure how long they want you to wait in order to apply again?

[LS2982]

I believe its at least 30 days after a denial.

[stevehbold]

yes but if i was denied for the blue can they use the same app to see if i qualify for any other offers?

[stevehbold]

Or can i apply for a zync now because its a different product? sorry if i sound dumb , im not really well versed in all of this. I just got approved last week for a discover more card with a 1700 cl. its my first prime card ! i do have a Charge Off from 2006 from BofA and some lates from 05-06 and one paid collection account that was only for 130 bucks! i never even knew i owed these people money. i paid it , but its still there. I was really suprised i was able to get the discover card. maybe i am getting ahead of myself applying for amex?

[bichonmom]

---

@stevehbold wrote:

yes but if i was denied for the blue can they use the same app to see if i qualify for any other offers?

---

Amex doesn't do this. You would need to apply for a different card 30 days after your original app was denied -- and a second HP. It's too bad they don't do this. It would be nice if they said, "You don't qualify for X, but you could get Y." The only time I've heard of that is when they counter Zync apps w/a hard limit and auto pay. But that's still for the same Zync card that one apped for.

[LS2982]

---

@stevehbold wrote:

yes but if i was denied for the blue can they use the same app to see if i qualify for any other offers?

---

No, it would be another HP.