topic Re: Amex HH in Credit Card Applications

Amex HH

Anonymous — Mon, 23 Jul 2018 00:08:26 GMT

I applied for the Amex HH card on 7/18, 31 days after I was approved for the EDC and Cash Magnet cards. I was initially denied and when I called recon it was because I have to wait 30 days before I can apply for another card. After I explained that it has been 31 days since my first approvals, the rep sent it to underwriting. As of this morning, the app status still shows pending. Has anyone experienced this?

Re: Amex HH

FinStar — Mon, 23 Jul 2018 16:48:54 GMT

The thread below might provide some insight on how AMEX works as far as submitting multiple CC applications in a short period of time:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Is-AMEX-2-90-day-Rule-strict/td-p/5197367

Also, there's a DoC article that explains the 2/90 rule.

Re: Amex HH

Anonymous — Mon, 23 Jul 2018 16:59:47 GMT

@FinStar wrote:
The thread below might provide some insight on how AMEX works as far as submitting multiple CC applications in a short period of time:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Is-AMEX-2-90-day-Rule-strict/td-p/5197367

Also, there's a DoC article that explains the 2/90 rule.

Thank you for the info. Much appreciated.