topic Re: Amex co-branded cards in Credit Cards

Amex co-branded cards

Anonymous — Sun, 20 Jan 2019 14:39:04 GMT

Does applying for an Amex co-branded card such as Delta SkyMiles or Hilton Honors result in a SP for existing Amex cardholders, just like it would for other regular Amex cards? Or are they different and will get you a HP?

Re: Amex co-branded cards

simplynoir — Sun, 20 Jan 2019 14:50:43 GMT

SP. Most of the time at least.

Re: Amex co-branded cards

Priory_Man — Sun, 20 Jan 2019 17:44:05 GMT

All my experiences have been a SP.
YMMV but in all likelihood it will be the same if you have a decent history with them

Re: Amex co-branded cards

3se7ens — Sun, 20 Jan 2019 22:40:16 GMT

@Anonymous wrote:
Does applying for an Amex co-branded card such as Delta SkyMiles or Hilton Honors result in a SP for existing Amex cardholders, just like it would for other regular Amex cards? Or are they different and will get you a HP?

If you have a AmEx co- branded card you ARE an AmEx member.
Therefore if you apply for ANY other AmEx card it WILL ONLY result in a SP.
Membership has it's privileges.

Re: Amex co-branded cards

wasCB14 — Sun, 20 Jan 2019 22:54:59 GMT

Keep in mind a lot of issuers are more sensitive to new accounts than inquiries these days.

Re: Amex co-branded cards

coldfusion — Sun, 20 Jan 2019 23:30:42 GMT

@3se7ens wrote:
Therefore if you apply for ANY other AmEx card it WILL ONLY result in a SP.
Membership has it's privileges.

It's not a slam dunk. As I've mentioned on this site before, It took me 3 HP to get my 11 AMEX cards, no rejections or recon.

Re: Amex co-branded cards

acciofirebolt — Mon, 21 Jan 2019 01:38:40 GMT

I got my SPG and SPG Lux with a SP but like others have said its YMMV. Other's have gotten HP on their apps but so far Amex hasn't HP's my apps since my first Amex card in 2016.

Re: Amex co-branded cards

Anonymous — Mon, 21 Jan 2019 03:49:57 GMT

@coldfusion wrote:
@3se7ens wrote:
Therefore if you apply for ANY other AmEx card it WILL ONLY result in a SP.
Membership has it's privileges.
It's not a slam dunk. As I've mentioned on this site before, It took me 3 HP to get my 11 AMEX cards, no rejections or recon.

This! My first 2 Amex resulted in a HP for each. After that, it’s been only SP.

Just want to also add, if it’s a card you want and will be able to use the benefits, a HP isn’t a big price to pay. Imo

Re: Amex co-branded cards

masscredit — Mon, 21 Jan 2019 20:20:06 GMT

Is there anything that determines if it's a HP or just a roll of the dice?

Re: Amex co-branded cards

simplynoir — Mon, 21 Jan 2019 21:16:14 GMT

@masscredit wrote:
Is there anything that determines if it's a HP or just a roll of the dice?

If you're a current AMEX cardholder the house odds are GREATLY in your favor that any future app is a SP. As a few have reported that's not a sure thing but that's something that a lot of people will bet the house on.

Re: Amex co-branded cards

RicHowe — Mon, 21 Jan 2019 21:32:56 GMT

In general, you should expect to see a hard-pull from AMEX for the following reasons:

1.) You are a nascent cardmember of AMEX (less than 60 days) when you apply for a 2nd card. It takes a minimum of 60 days for AMEX to begin soft-pulling your FICO8 Score and showing it in your online account, so any additional applications as a new cardmember within the first 60 days will sometimes incur a new hard-pull. Even though you can apply for more than one card upon becoming a new member (using the same hard pull), it is advisable to wait at least 60 days between becoming a new customer and applying for an additional tradeline with AMEX.

2.) You have had a prolonged and significant deterioration of your soft-pulled credit score within the past year. While FICO is agnostic to your month to month score, AMEX is not. Just as you will get denied for credit limit increases if your score drops dramatically (or you have unusually high utilization), you should expect a hard pull for new applications if your score has suffered (30+ points).

Re: Amex co-branded cards

Anonymous — Mon, 21 Jan 2019 23:24:04 GMT

Does the co-brand include any card that has AMEX on it, such as WF Propel?

Re: Amex co-branded cards

Anonymous — Mon, 21 Jan 2019 23:29:12 GMT

@Anonymous wrote:
Does the co-brand include any card that has AMEX on it, such as WF Propel?

No, those are Amex network cards issued and backed by other financial institutions.

Re: Amex co-branded cards

Anonymous — Mon, 21 Jan 2019 23:37:22 GMT

Thank you Saeren. One day I will be able to join the club.

Re: Amex co-branded cards

Express — Sat, 09 Feb 2019 18:31:40 GMT

Sweet! 👀👍

Re: Amex co-branded cards

Express — Sat, 09 Feb 2019 18:33:43 GMT

11 Amex’s 3 HP! Sweet 👀😮👌