topic Re: Another Amex question in Credit Cards

Another Amex question

Anonymous — Tue, 20 Apr 2021 22:11:49 GMT

Do you think it's wise to apply for an AMEX Gold card and BCP on the same day?

EX: 740

Income: 175,000

Re: Another Amex question

yoshee08 — Tue, 20 Apr 2021 22:25:01 GMT

Not enough information.

Do you already have an account with them?

Amex's system if you already have an existing card with them (not an AU card) they wont do a HP.

My thought process:

Apply for the main card you want. If approved, apply for a second. If youre denied you wont be able to get any new cards for 30 days.

Re: Another Amex question

Anonymous — Tue, 20 Apr 2021 22:58:30 GMT

@yoshee08 @Thanks for the response.

i do have an AMEX Delta card that has been open for 3 months. Just got the 3X CLI

Re: Another Amex question

Brian_Earl_Spilner — Tue, 20 Apr 2021 23:38:42 GMT

The charge cards were somewhat separate in the past. Not sure in the current environment. You used to be able to apply for a revolver and as many charge cards as you wanted on the same day as long as your profile and income supported it.

Re: Another Amex question

Anonymous — Wed, 21 Apr 2021 00:23:51 GMT

@yoshee08 wrote:
Not enough information.
Do you already have an account with them?
Amex's system if you already have an existing card with them (not an AU card) they PROBABLY wont do a HP.

My thought process:
Apply for the main card you want. If approved, apply for a second. If youre denied you wont be able to get any new cards for 30 days.

Edited the above in boldface - HPs can and do still happen to existing members, and may be a little more likely for OP as a relatively new cardmember. SPs are still the predominant result but absolutes should be avoided.

Re: Another Amex question

FinStar — Wed, 21 Apr 2021 00:30:27 GMT

@yoshee08 wrote:
Not enough information.
Do you already have an account with them?
Amex's system if you already have an existing card with them (not an AU card) they wont do a HP.

My thought process:
Apply for the main card you want. If approved, apply for a second. If youre denied you wont be able to get any new cards for 30 days.

@yoshee08 - Just something to be aware of, an HP can still happen even if you're already an existing AmEx cardmember. While the majority of reported cases it's been SP, other DPs have also indicated an HP is still possible.

Re: Another Amex question

coldfusion — Wed, 21 Apr 2021 01:02:28 GMT

@FinStar wrote:
@yoshee08 wrote:
Not enough information.
Do you already have an account with them?
Amex's system if you already have an existing card with them (not an AU card) they wont do a HP.

My thought process:
Apply for the main card you want. If approved, apply for a second. If youre denied you wont be able to get any new cards for 30 days.

@yoshee08 - Just something to be aware of, an HP can still happen even if you're already an existing AmEx cardmember. While the majority of reported cases it's been SP, other DPs have also indicated an HP is still possible.

At least 2 members who have posted in this thread can confirm from personal experience that this does happen.

Re: Another Amex question

Brian_Earl_Spilner — Wed, 21 Apr 2021 13:09:52 GMT

@coldfusion wrote:
@FinStar wrote:
@yoshee08 wrote:
Not enough information.
Do you already have an account with them?
Amex's system if you already have an existing card with them (not an AU card) they wont do a HP.

My thought process:
Apply for the main card you want. If approved, apply for a second. If youre denied you wont be able to get any new cards for 30 days.

@yoshee08 - Just something to be aware of, an HP can still happen even if you're already an existing AmEx cardmember. While the majority of reported cases it's been SP, other DPs have also indicated an HP is still possible.
At least 2 members who have posted in this thread can confirm from personal experience that this does happen.

I received an HP before.

Re: Another Amex question

Anonymous — Wed, 21 Apr 2021 14:53:02 GMT

Thanks for the all the advice. I ended up apply for both and didn't receive a HP.

Re: Another Amex question

Anonymous — Wed, 21 Apr 2021 19:29:12 GMT

Little late to the party as you've already been approved, so congratz!

My contribution would have been "I don't know if it's wise" but I applied for the Gold charge and the Delta Gold same time as an existing cardholder so it can happen without any noticeable consequences.

Re: Another Amex question

Anonymous — Wed, 21 Apr 2021 19:39:40 GMT

@Anonymous @I was having a YOLO moment. 😂 Good thing it worked out😅

I also applied for another BB&T card. 🤷🏽‍♂️

Re: Another Amex question

FinStar — Wed, 21 Apr 2021 20:44:00 GMT

@Anonymous wrote:
Thanks for the all the advice. I ended up apply for both and didn't receive a HP.

Were you approved for one, both or...?

Re: Another Amex question

Anonymous — Wed, 21 Apr 2021 20:55:38 GMT

@FinStar @Sorry for leaving out that important detail. I was approved for all 3 cards

Re: Another Amex question

FinStar — Wed, 21 Apr 2021 21:01:08 GMT

Thanks for providing an update on your approvals. Locking this thread as you were approved. Feel free to start a new thread in the Approvals forum if you wish to do so.