topic amex CC application question in Credit Cards

amex CC application question

Anonymous — Tue, 09 Nov 2010 01:56:42 GMT

Hi i wanted to know what is the time interval between successive applications with amex. The last time i applied was oct 13 , 2010 and was thinking of applying for the zync card tonight . Have a experian plus score of 695 . Is there a chance of getting declined because i am applying for it the second time in less than a month?

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 02:04:03 GMT

Yes, you would most likely be declined again. Normally, credit card companies keep a credit report on file for at least 30 days and if you apply again will use that same report.

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 02:51:37 GMT

Your score with EX doesn't hold any ground. AMEX uses their own system to determine your eligibility.

If you want to have an idea if you may qualify use AMEX pre-qualifier on AMEX site. I am not saying this gives you a guarantee of approval if offers you anything nor a guarantee of denial if it doesn't. Just an easier way to see if you are in the running to apply according to what they see. People on these boards have had success with and with-out pre-qualifiers from AMEX site.

Good Luck.

Re: amex CC application question

jobber123rd — Tue, 09 Nov 2010 06:50:12 GMT

@Anonymous wrote:
Hi i wanted to know what is the time interval between successive applications with amex. The last time i applied was oct 13 , 2010 and was thinking of applying for the zync card tonight . Have a experian plus score of 695 . Is there a chance of getting declined because i am applying for it the second time in less than a month?

Yes, they can and will deny you for applying again within 30 days. This happened to me last month when I didn't take the "apply again in 30 days" text in their denial letter seriously enough. I sent in an app for a different AMEX card about 10 days later and it was "cancelled" instantly.

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 13:17:15 GMT

stud007 wrote:

Hello

There is a member here, think it is mross that applied every 31 days for Zync until he was approved!!!

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 15:37:41 GMT

That pre qualify thing doesn't work at all. They look to see if you have any offers but that doesn't mean they won't approve you. I looked before I apped and got nothing. I applied and was approved just the same for a zync.

I don't know about applying multiple times, and I did have a former relationship with them. But I know the preselected offer thing means nothing.

JM-AM wrote:
Your score with EX doesn't hold any ground. AMEX uses their own system to determine your eligibility.

If you want to have an idea if you may qualify use AMEX pre-qualifier on AMEX site. I am not saying this gives you a guarantee of approval if offers you anything nor a guarantee of denial if it doesn't. Just an easier way to see if you are in the running to apply according to what they see. People on these boards have had success with and with-out pre-qualifiers from AMEX site.

Good Luck.

Re: amex CC application question

mross1080 — Tue, 09 Nov 2010 16:58:17 GMT

31 days worked for me. I think its 30 days I just waited the extra day to make sure. I dont know if its I was approved because of different info on my report or they figured theyd approve me so id stop applying. Either way I was happy.

Re: amex CC application question

fused — Tue, 09 Nov 2010 17:07:03 GMT

@mross1080 wrote:
31 days worked for me. I think its 30 days I just waited the extra day to make sure. I dont know if its I was approved because of different info on my report or they figured theyd approve me so id stop applying. Either way I was happy.

Congrats!!!!!!!

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 18:16:41 GMT

@Anonymous wrote:
That pre qualify thing doesn't work at all. They look to see if you have any offers but that doesn't mean they won't approve you. I looked before I apped and got nothing. I applied and was approved just the same for a zync.

I don't know about applying multiple times, and I did have a former relationship with them. But I know the preselected offer thing means nothing.

@Anonymous wrote:
Your score with EX doesn't hold any ground. AMEX uses their own system to determine your eligibility.

If you want to have an idea if you may qualify use AMEX pre-qualifier on AMEX site. I am not saying this gives you a guarantee of approval if offers you anything nor a guarantee of denial if it doesn't. Just an easier way to see if you are in the running to apply according to what they see. People on these boards have had success with and with-out pre-qualifiers from AMEX site.

Good Luck.

Re: amex CC application question

Anonymous — Tue, 09 Nov 2010 18:17:04 GMT

Congrats

Re: amex CC application question

Creditaddict — Tue, 09 Nov 2010 19:46:08 GMT

@Anonymous wrote:
Hi i wanted to know what is the time interval between successive applications with amex. The last time i applied was oct 13 , 2010 and was thinking of applying for the zync card tonight . Have a experian plus score of 695 . Is there a chance of getting declined because i am applying for it the second time in less than a month?

Meaning you were approved? for what card?

Amex does not have time frames between approvals, I think if your denied you should wait at least 30.

and to the poster about same credit pull within 30 days, that is not the case with amex, they use to use same credit pulls on SAME day only, after that new credit pull.

Especially if you applied for a credit card product from Amex and approved, there is almost no chance you would be denied a charge card product by amex because they are way easier to get.