topic Re: Apping for Amex with closed cards in last 6 months? in Credit Card Applications

Apping for Amex with closed cards in last 6 months?

Anonymous — Sun, 04 Oct 2020 12:49:59 GMT

Anyone here apply for Amex with closed cards, I'm aware of one person at least was denied for this, I'm prequalified for everything but have closed a couple cards in July/august because they were junk from start of rebuild

dps

ex08 780

Income 65000

four student loans under 8% utilization

less than $800 of personal debt

2/12 1/6 new accounts

12/24 4/12 0/6 inquiries

anyone be approved for Amex with recently closed cards, I'm prequalified and they are bombarding me with mailers, don't want to burn inq for decline

Re: Apping for Amex with closed cards in last 6 months?

Flfico — Sun, 04 Oct 2020 12:26:38 GMT

Approved for BCP 2 months after closing milestone card from rebuild

Re: Apping for Amex with closed cards in last 6 months?

Anonymous — Sun, 04 Oct 2020 12:49:21 GMT

Thanks for the dp

Re: Apping for Amex with closed cards in last 6 months?

ToxikPH — Sun, 04 Oct 2020 20:28:50 GMT

With being pre-qualified along with 0/6 and your income you should be perfectly fine to apply. Also I've only ever seen people who are members get pre-approved so you should also be a SP on this but don't quote me. I've actually been forced by Amex to close two cards to open a new one before along with closing a card then getting a new one soon after so they don't seem to be too bothered by that.

Re: Apping for Amex with closed cards in last 6 months?

Anonymous — Sun, 04 Oct 2020 21:51:33 GMT

I'm prequalified I have no relationship with Amex so definitely hp I'm just afraid they will think im churning with card closures

Re: Apping for Amex with closed cards in last 6 months?

ToxikPH — Sun, 04 Oct 2020 22:33:30 GMT

@Anonymous wrote:
I'm prequalified I have no relationship with Amex so definitely hp I'm just afraid they will think im churning with card closures

If you had a card in the past you keep your membership status so not 100% a HP. I've gotten over 10 Amex cards in less than two years and stopped using many of them after the SUB. It's worth a try to apply I would think.

Re: Apping for Amex with closed cards in last 6 months?

coldfusion — Mon, 05 Oct 2020 00:02:07 GMT

@Anonymous wrote:
I'm prequalified I have no relationship with Amex so definitely hp I'm just afraid they will think im churning with card closures

You'll have a pretty good idea that you've reached that particular tipping point with them when you submit your application and get a popup that they'll accept your application but you're ineligible for any SUB. If you choose to click through and submit they will process the application in good faith but if approved they'll be true to their word and you won't collect a SUB.

Re: Apping for Amex with closed cards in last 6 months?

Anonymous — Mon, 05 Oct 2020 11:04:20 GMT

Never had an Amex period. I was just asking someone in the 730s around here applied and was denied with cited reason was closed accounts recently and he waited until over 6 months and was approved, however I know all profiles are different and for their case this may have pushed them over the edge I don't foresee it being a problem with a 780 and my dti and total debt load but was just trying to find counter points to this specific person which I have 1 now at least