topic Re: AMEX Does not deny outright, just sends a letter stating enough for now in Credit Card Applications

AMEX Does not deny outright, just sends a letter stating enough for now

spiritcraft1 — Fri, 25 Jun 2021 21:01:24 GMT

I have applied for a few cards since my last SP approval which was in late April. Each time, unlike before, it says "requires more info" when checking status. I then always receive a letter stating it was too soon after being approved for the last card. That approval was for a Business Cash card.

Since this is all SP's I figured why not try. The first attempt was for a personal card, the next two for business. Is there a "rule" of how many cards can be approved in X period of time?

Last two approvals:

BBP - 4-6-21

BBC - 5-5-21

Yeah, I know I am pushing it but the no HP deal allows me to.

Re: AMEX Does not deny outright, just sends a letter stating enough for now

simplynoir — Fri, 25 Jun 2021 21:04:57 GMT

You are hitting the 2/90 rule with AMEX which is basically where you can only be approved for two revolvers in a 90 day period. That is why you are getting denials

Re: AMEX Does not deny outright, just sends a letter stating enough for now

spiritcraft1 — Fri, 25 Jun 2021 21:19:25 GMT

@simplynoir wrote:
You are hitting the 2/90 rule with AMEX which is basically where you can only be approved for two revolvers in a 90 day period. That is why you are getting denials

I see. So under that "rule", I would be cleared of that hurdle 91 days from the first of those two approvals? That would be July 6th apparently. Not that I shouldn't wait a bit longer of course.

Re: AMEX Does not deny outright, just sends a letter stating enough for now

simplynoir — Fri, 25 Jun 2021 21:32:28 GMT

@spiritcraft1 wrote:
@simplynoir wrote:
You are hitting the 2/90 rule with AMEX which is basically where you can only be approved for two revolvers in a 90 day period. That is why you are getting denials
I see. So under that "rule", I would be cleared of that hurdle 91 days from the first of those two approvals? That would be July 6th apparently. Not that I shouldn't wait a bit longer of course.

Correct, it is a 90 day rolling period but as you suggested waiting a little bit longer doesn't hurt

Re: AMEX Does not deny outright, just sends a letter stating enough for now

spiritcraft1 — Fri, 25 Jun 2021 21:55:34 GMT

Thank you. My EX report could clean up at any time also so I have that going for me.