topic Re: Good luck to all you AMEX app'ers! in Credit Card Applications

Good luck to all you AMEX app'ers!

WLRK11 — Thu, 01 Jan 2015 05:13:36 GMT

Good luck to all you AMEX app'ers who have been patiently waiting for January 1 for maximum backdating. What AMEX(s) are you app'ing?

Re: Good luck to all you AMEX app'ers!

Anonymous — Thu, 01 Jan 2015 05:17:13 GMT

None.

Re: Good luck to all you AMEX app'ers!

Anonymous — Thu, 01 Jan 2015 05:18:38 GMT

BCE!

Re: Good luck to all you AMEX app'ers!

chalupaman — Thu, 01 Jan 2015 05:20:26 GMT

Must resist temptation to go for that Hilton HHonors Surpass card.

Re: Good luck to all you AMEX app'ers!

dodgerslv — Thu, 01 Jan 2015 05:26:14 GMT

@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.

same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL

Re: Good luck to all you AMEX app'ers!

Jaylima91 — Thu, 01 Jan 2015 05:27:17 GMT

My indecision is driving me berserk. I want to apply for the EDP for backdating purposes but I really don't think I want another HP and new TL.

Re: Good luck to all you AMEX app'ers!

dodgerslv — Thu, 01 Jan 2015 05:29:08 GMT

@Jaylima91 wrote:
My indecision is driving me berserk. I want to apply for the EDP for backdating purposes but I really don't think I want another HP and new TL.

well technically it will not be a new TL Jay...

Re: Good luck to all you AMEX app'ers!

chalupaman — Thu, 01 Jan 2015 05:30:15 GMT

@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL

My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.

Re: Good luck to all you AMEX app'ers!

Jaylima91 — Thu, 01 Jan 2015 05:29:43 GMT

That's my confusion. How will it report? It won't report as a new TL?

Re: Good luck to all you AMEX app'ers!

dodgerslv — Thu, 01 Jan 2015 05:33:17 GMT

@chalupaman wrote:
@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL
My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.

l hear ya...i always keep telling myself well if its denied no harm done (only a SP) but how about if i do get luck and get approved? then there goes another HP on EX and i have 30 at the moment.

Re: Good luck to all you AMEX app'ers!

jason86423 — Thu, 01 Jan 2015 05:33:30 GMT

It shows up with a Month / date approved and then your member since year date

Re: Good luck to all you AMEX app'ers!

mongstradamus — Thu, 01 Jan 2015 05:34:14 GMT

it will report with trade line of your first amex card or at least it should.

Back to original question i am waiting for 2016 and going to attempt for SPG then. I am going to try and stay off amex and chase radar till 2016 at least.

Re: Good luck to all you AMEX app'ers!

dodgerslv — Thu, 01 Jan 2015 05:35:38 GMT

@Jaylima91 wrote:
That's my confusion. How will it report? It won't report as a new TL?

only if your credit report is being manually reviewed by another lender will they see that it is a new TL because there will be no activity before you got approved but it will show as opened from the month you apply and whatever year your other Amex were obtained.

Re: Good luck to all you AMEX app'ers!

chalupaman — Thu, 01 Jan 2015 05:35:55 GMT

@dodgerslv wrote:
@chalupaman wrote:
@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL
My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.
l hear ya...i always keep telling myself well if its denied no harm done (only a SP) but how about if i do get luck and get approved? then there goes another HP on EX and i have 30 at the moment.

I have 29 at the moment on that report and one HP of mine turned two years old last month so it should be completely off my report in a week or two. My EQ and TU files have a lot less though.

Re: Good luck to all you AMEX app'ers!

dodgerslv — Thu, 01 Jan 2015 05:37:41 GMT

@chalupaman wrote:
@dodgerslv wrote:
@chalupaman wrote:
@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL
My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.
l hear ya...i always keep telling myself well if its denied no harm done (only a SP) but how about if i do get luck and get approved? then there goes another HP on EX and i have 30 at the moment.
I have 29 at the moment on that report and one HP of mine turned two years old last month so it should be completely off my report in a week or two. My EQ and TU files have a lot less though.

yeah...my EX get abused here in NV by major banks. I have 3 on TU and 6 on EQ...go figure.

Re: Good luck to all you AMEX app'ers!

Jaylima91 — Thu, 01 Jan 2015 05:38:05 GMT

Gotcha. Thank you guys for the clarification

Re: Good luck to all you AMEX app'ers!

LuckyBird — Thu, 01 Jan 2015 05:43:45 GMT

I just got the BCP a couple of weeks ago. I decided it didn't matter for me to wait until January since my MSD is 1994 anyway...

Re: Good luck to all you AMEX app'ers!

Anonymous — Thu, 01 Jan 2015 05:48:02 GMT

Again, I thought I was bad with 12 EX INQ..

Re: Good luck to all you AMEX app'ers!

TRC_WA — Thu, 01 Jan 2015 05:51:02 GMT

@WLRK11 wrote:
Good luck to all you AMEX app'ers who have been patiently waiting for January 1 for maximum backdating. What AMEX(s) are you app'ing?

Got my first AmEx on 12/26... Delta Gold.

Re: Good luck to all you AMEX app'ers!

chalupaman — Thu, 01 Jan 2015 05:52:59 GMT

8 of those INQs were between 2012 and 2013. Ugh. I'm only 4 points away from having a 700s score on that EX file BTW but on the flip side, my score never really goes down either.