topic Re: Going For Gold in Credit Card Applications

Going For Gold

Zimmy71 — Fri, 17 Nov 2023 01:38:23 GMT

For me the ultimate grail card for my spending and travel is the Amex Gold. I am planning a family trip to Europe summer 2025 for my oldest sons graduation, so I am trying to get cards with really good subs and more geared for travel. I have a some questions before I apply tomorrow:

1. I have a Hilton Amex that I opened this past September. Is it too early to apply for another Amex card?

2. When I go into the Amex app to check my Fico score, I click offers and see the Amex Gold with a sub of 60k. However when I check the Amex website at work, I see a sub of 90k. Should I check the preapproval page and if they give me the 60k sub take it or bypass the preapproval page and try and get the 90k?

3. Does Amex do a hard pull for a second card? My scores actually have improved since I received the Hilton Amex.

I hate rejection lol, so I want to make sure I am in the best position to get approved.

Re: Going For Gold

SouthJamaica — Fri, 17 Nov 2023 04:12:06 GMT

@Zimmy71 wrote:
For me the ultimate grail card for my spending and travel is the Amex Gold. I am planning a family trip to Europe summer 2025 for my oldest sons graduation, so I am trying to get cards with really good subs and more geared for travel. I have a some questions before I apply tomorrow:

1. I have a Hilton Amex that I opened this past September. Is it too early to apply for another Amex card?

2. When I go into the Amex app to check my Fico score, I click offers and see the Amex Gold with a sub of 60k. However when I check the Amex website at work, I see a sub of 90k. Should I check the preapproval page and if they give me the 60k sub take it or bypass the preapproval page and try and get the 90k?

3. Does Amex do a hard pull for a second card? My scores actually have improved since I received the Hilton Amex.

I hate rejection lol, so I want to make sure I am in the best position to get approved.

1. No it's not too early.

2. You should only take the 90k MR's offer.

3. Amex almost never does a hard pull if you already have an Amex card. (No guarantees, of course).

Re: Going For Gold

Zimmy71 — Fri, 17 Nov 2023 17:45:47 GMT

Well, I applied this morning and was approved! I misread the welcome offer, it was you can get up to a 90k MR bonus. I signed into my Amex account at my office and said I was preapproved for a 60k MR offer. I'll take it because it was not too long ago I was only able to get the Indigo credit card. What a journey its been the past two years.

Re: Going For Gold

kh_jenn — Sat, 18 Nov 2023 17:41:37 GMT

Congrats on your approval! This thread will be closed to new replies now. Please feel free to continue your discussion in the Approvals board.Thank you!