topic Re: AMEX aprovals in Credit Card Applications

AMEX aprovals

Anonymous — Thu, 09 Aug 2018 15:55:10 GMT

Hello all,

First post here but have been reading for awhile. My question is this, I was just recently approved for the American Express Delta Gold card for 2k last Friday (8/3/18) and was wondering if I should try applying for another AMEX with cash back rewards as well. I was looking at either the American Express Cash Magnet, or the Blue Cash Everyday. When I was just sent the Delta card my FICO attached was 683. I was wondering how likely I am to be approved for a second card, and if so when should I apply and which to go for?

Re: AMEX aprovals

FinStar — Thu, 09 Aug 2018 16:16:48 GMT

Hi OP and welcome to the forums!

Have you done the math to determine which of those two CCs will yield the best benefits rewards-wise or provide the benefits that fit your spending? Have you checked to see if you pre-qualify for any additional AmEx cards?

Re: AMEX aprovals

polaris2011 — Thu, 09 Aug 2018 17:11:22 GMT

I got the Cash Magnet and Everyday cards one day apart at a cost of 2 HPs, so definitely check the prequalify page first.

Good luck!

Re: AMEX aprovals

Anonymous — Fri, 10 Aug 2018 03:15:22 GMT

Thanks for the warm welcome. From my understanding, both of these cards are almost the same in terms of cash back. I am just not sure if one is viewed to be more valuable than the other, or easier to get? I have tried to look into the prequalify section on American Express but every single time I do, the page neved loads and displays a message that there was a problem.

Re: AMEX aprovals

Anonymous — Fri, 10 Aug 2018 03:18:21 GMT

Congrats on both of the cards. If I understand how AE works correctly; if you were already an AMEX customer and then applied for a second card, the initial inquire would result in a SP if denied, but then if approved would result in a second HP? Do I have this correct?

Re: AMEX aprovals

Caught750 — Fri, 10 Aug 2018 17:32:14 GMT

That's not necessarily true. Existing customers can get new cards without a HP at all. In February I got approved for BCE w a HP(first card), next day PRG (HP) with 50k SUB. Since then I've added HH and Delta Gold both SP. I'll be adding Platinum and EDC in a few months.

Also BCE is a 3/2/1 card where Cash Magnet is a general 1.5% CB across the board.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 00:10:31 GMT

@Anonymous wrote:
Congrats on both of the cards. If I understand how AE works correctly; if you were already an AMEX customer and then applied for a second card, the initial inquire would result in a SP if denied, but then if approved would result in a second HP? Do I have this correct?

Posted this to another thread earlier today....for what it's worth!

I can only share my experience, but you may want to have some of the more experienced users weigh in... I, too, read right here in the forum about the AMEX 2 for 1. Was skeptical, and leery given where I was score-wise (not far from where you are now). In January this year I applied through CK (believe it or not) and was approved for both the AMEX BCP and the PRG on the same day. Only 1 Exp inquiry. The 2-for-1 TOTALLY worked for me. I just recently added the Plat via online invite, and was a SP. So far, 3 AMEX, only 1 HP. Again, this is my experience, and I wish you the best as you decide how to move forward; and of course, all the success should you decide to apply!

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 07:47:11 GMT

Hi everyone!

I'm new in the forum and while searching in the web about AmEx I was led into this site.

I'm planning to inquire for AmEx but the prequalify option doesn't work.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 14:54:46 GMT

You're not alone, I still cannot seem to get the prequal page to load for me. I've tried clearing cookies, and using multiple devices and browsers all with no luck.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 14:58:34 GMT

Thanks for all the insight and congrats on all of your AMEX success. I am debating on whether or not to pull the trigger and go for the BCE. Now I'm also debating on whether or not I should wait until I fulfill my requirements for the bonus miles on my Delta Gold.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 15:01:06 GMT

So there really is no rhyme or reasoning behind when AMEX uses a SP or HP it seems.

Re: AMEX aprovals

Caught750 — Sat, 11 Aug 2018 15:09:03 GMT

For existing card holders it seems, more often than not, that if while logged into your account you are pre-approved for a card it will be SP. If not it may be a HP. YMMV and always understand that a HP is possible.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 19:50:53 GMT

@Caught750 wrote:
For existing card holders it seems, more often than not, that if while logged into your account you are pre-approved for a card it will be SP. If not it may be a HP. YMMV and always understand that a HP is possible.

I would agree.

Re: AMEX aprovals

Anonymous — Sat, 11 Aug 2018 20:58:17 GMT

Thanks! I just wish I could see the pre qualified page to get some kind of benchmark to judge from.

Re: AMEX aprovals

Anonymous — Sun, 12 Aug 2018 00:42:45 GMT

@Anonymous wrote:
Thanks! I just wish I could see the pre qualified page to get some kind of benchmark to judge from.

I hear you. Believe it or not, I wish I could find a "prequal page" as well... My Gold and BCP I applied for. The Plat "showed up" one day when I was going in to make a payment on the other 2 cards. I logged in, expecting to make a payment, and on the Home page I saw something to the effect of "you been invited to apply" for the Plat. FYI.

Re: AMEX aprovals

Anonymous — Sun, 12 Aug 2018 00:52:03 GMT

I got approved for the Amex Everyday and Cash Magnet 1 day apart with no hard pulls.

Re: AMEX aprovals

Anonymous — Sun, 12 Aug 2018 00:53:06 GMT

@Anonymous wrote:
I got approved for the Amex Everyday and Cash Magnet 1 day apart with no hard pulls.

Congrats!!

Re: AMEX aprovals

Anonymous — Sun, 12 Aug 2018 00:55:19 GMT

Thx soupy5, I'm really happy with Amex.

Re: AMEX aprovals

Anonymous — Sun, 12 Aug 2018 01:18:43 GMT

@Anonymous wrote:
Thx soupy5, I'm really happy with Amex.

Awesome!

Re: AMEX aprovals

Anonymous — Mon, 20 Aug 2018 20:25:44 GMT

@Anonymous wrote:
I got approved for the Amex Everyday and Cash Magnet 1 day apart with no hard pulls.

Were you already an Amex card holder? I am looking at apping for 1 or 2 of the cards I am pre-qualified to.. Just wonder what % of getting 2 HP off of that? Looking at the Blue Skymiles and/or the EveryDay cards. Currently only have Visa and MC, no Amex.