topic Re: For those with multiple Amex cards in Credit Cards

For those with multiple Amex cards

dynamicvb — Thu, 23 Apr 2020 01:42:55 GMT

For those who have more than one Amex. If you remember when you got your second card did they do a hard pull or will they soft pull on additional cards like they do for CLIs?

And are you eligible for subs on additional ones if you have already gotten the sub on your other card? I remember reading somewhere that you can only ever get one sub in your lifetime at Amex but not sure

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 01:48:51 GMT

Yes it was a soft pull for me (some have reported a HP but the norm is soft) and you get the SUB. The once per life time is per card "type". So you can't get the platinum SUB, cancel it and then reapply in the future and get it again but you could get it for Green, Gold and Plat.

Re: For those with multiple Amex cards

coldfusion — Thu, 23 Apr 2020 01:53:30 GMT

My 1st, 4th, and 8th AMEX each generated a HP. All others and all CLI requests were soft pulls.

You're generally eligible for the SUB on every new AMEX card you open unless you've opened a lot of cards with them recently. i

If they determine that you will be ineligible to earn the SUB when applying online you will be informed before they process the application and you will the option to either proceed or abort the submission. If you abort there is no chance of incurring a HP.

Lifetime language is per-card and not per account. Lifetime isn't always exactly "lifetime" either but it's at least 7 years.

Product changes do not earn you a SUB unless you were made an offer to upgrade that included a SUB as an incentive.

There are also occasional offerings that do not include lifetime language which bypass the "lifetime" requirement although I haven't heard of them offering one in a while.

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 02:15:48 GMT

Only my first card was HP. The following 7 cards and CLIs are all SP.

Re: For those with multiple Amex cards

wasCB14 — Thu, 23 Apr 2020 02:20:50 GMT

2014-2017: 5 personal cards, all HP

2018: 1 business card, HP

2019: 1 personal card, no HP

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 02:42:09 GMT

I got my first amex in college and my second and third 20 years later. Both were soft pulls.

Re: For those with multiple Amex cards

wasCB14 — Thu, 23 Apr 2020 02:49:41 GMT

@coldfusion wrote:
You're generally eligible for the SUB on every new AMEX card you open unless you've opened a lot of cards with them recently. i
If they determine that you will be ineligible to earn the SUB when applying online you will be informed before they process the application and you will the option to either proceed or abort the submission. If you abort there is no chance of incurring a HP.

Or, rather, the number of cards you've opened relative to overall Amex spend. $5k annual spend might potentially not get a bonus on a 4th card in 2 years, but $200k annual spend could get a bonus on an 8th card in that same time frame.

Not that these are exact figures, just a general example. Highly YMMV.

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 03:20:47 GMT

All three Amex cards I've had were hard pulls, but those apps were in 2016 and 2017. I think that was before the trend of soft pulls for some folks on their second, third, etc. card. Then again, as many may note, not everyone gets lucky with a soft pull approval.

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 09:19:22 GMT

Single HP to approve my first two an hour apart in 11/2018. SP for number three in 3/2019. SP for numbers four and five, four days apart, in 5/2019. I earned SUBs for all five cards.

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 09:25:10 GMT

First card was a HP 6/2019, applied for BCP 8/2019 and was declined with a SP, applied a month later and was approved with a SP.

I got SUBs for both cards.

Re: For those with multiple Amex cards

FlaDude — Thu, 23 Apr 2020 15:21:42 GMT

Three new Amex cards over the past 1 1/2 years, no HP

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 16:02:21 GMT

I have a BCP and I apped for the BBC - it was a soft pull. I received a SUB for the new card.

FWIW, I also got a SUB when I got my BCP. I downgraded to BCE about 2 years after having the card and very soon after I got an offer from Amex to upgrade to BCP and a got another Bonus.

I do not think Amex has any kind of lifetime bonus limits.

Re: For those with multiple Amex cards

Anonymous — Thu, 23 Apr 2020 18:49:52 GMT

Got the Optima Plat in Oct 2008 then got HH(sp)in May 2019.

Re: For those with multiple Amex cards

Andypanda — Thu, 23 Apr 2020 20:44:03 GMT

4 cards in the the last year, #1 hp, rest sp. # 1 persanal revovler, # 2 and 4 buisness revovolver, #3 platinum.