topic Re: Amex question in Credit Cards

Amex question

Mekitcat — Thu, 22 Sep 2011 18:06:10 GMT

I tried searching for the answer but I had no luck to my question.

How soon after getting your card can you apply for another Amex card? I had mine 1 month (Zync)

I seen some threads say if your already a member it will be a soft if your pre-approved in their system if not it would be a hard? or if your "not pre-approved they won't pull you at all" is this true?

I really want the BCP but I don't know what to do!

Re: Amex question

Creditaddict — Thu, 22 Sep 2011 18:08:10 GMT

Since you have a charge card and want a credit card product, you can apply now.

It will be a HARD pull.

However if you sign into your account and then go to apply for additional cards you can by-pass most of the regular application because Amex will fill in the stuff and just ask a couple questions and BAM instant answer usually.

Re: Amex question

Mekitcat — Thu, 22 Sep 2011 18:32:56 GMT

Ok next question, I have 2 inq from last month one being Amex for the Zync, and one from Citi (approved $4000CL)

and then...

3 from 5months ago.

1 from 10months

1 from 11months

1 from 12months

4 from 14months ago 2 if you count the 3 as1 for my auto loan

Do I dare apply? Would they see that as too many inq's?

I know my score should be (I would think) lower 700's if not even a little better but don't know for sure unfortunately.

Suggestions? Thoughts? Help...

Re: Amex question

Creditaddict — Thu, 22 Sep 2011 18:37:03 GMT

I wouldn't worry about the INQ.

Once you are a cardmember your score with them only improves in my opinion as long as you are spending on the card and paying in full.

Re: Amex question

Mekitcat — Thu, 22 Sep 2011 18:47:46 GMT

@Creditaddict wrote:
I wouldn't worry about the INQ.
Once you are a cardmember your score with them only improves in my opinion as long as you are spending on the card and paying in full.

Yes, I used that poor little card a lot last month, paying it off right after I used it too.

Do you think I would stand a good chance at being approved for the CC?

Re: Amex question

Creditaddict — Thu, 22 Sep 2011 18:48:38 GMT

yes

Re: Amex question

Mekitcat — Thu, 22 Sep 2011 19:15:37 GMT

Ok it wasn't an instant decision it just said "Your application has been received you will be notified in 7 to 14 days thanks for applying"

so I went to the app status and....

09/22/11 BLUE CASH PREFERRED(SMS) Approved Congratulations! Your application has been approved and you should receive your new card within 7-10 days. If you requested a balance transfer to this card, click here to view the status of that transfer.

But how do I know the limit? Do I have to wait to get the card?

And Thanks Creditaddict! I don't think I would of apped with out ya. Now I can officially join the Garden club I wanted a rewards card and now I got it YAHOO!!!

Re: Amex question

Anonymous — Thu, 22 Sep 2011 19:17:45 GMT

You can call the good people at AMEX. They should be able to tell you.

Re: Amex question

Mekitcat — Thu, 22 Sep 2011 19:59:24 GMT

I am unbelievably happy they approved me for $6000!!!!!!!!!

eta: it appears they matched the Discover that I'm an AU on.

Re: Amex question

Anonymous — Thu, 22 Sep 2011 20:31:35 GMT

SWEET! CONGRATULATIONS!!

Re: Amex question

Mekitcat — Thu, 22 Sep 2011 20:46:21 GMT

Thank You!

Re: Amex question

Mekitcat — Fri, 23 Sep 2011 19:21:35 GMT

I just got a notice from Citi Identity Monitor it was a hard pull on my EX.

But boy was it well worth it!

Re: Amex question

Anonymous — Fri, 23 Sep 2011 20:55:25 GMT

congrats

Re: Amex question

Mekitcat — Fri, 23 Sep 2011 21:56:56 GMT

Thank You!

Re: Amex question

Anonymous — Sat, 24 Sep 2011 01:30:21 GMT

That is an awesome credit limit!

They only gave me 5k, but I have two other cards with them so that is prob why.

Congrats!!!

Not to get you too excited, but the Chase Freedom is an awesome card too. Actually, one of my favorites.

I know, I am the devil. LOL

Re: Amex question

Mekitcat — Sat, 24 Sep 2011 02:18:42 GMT

Thanks I was stoked to say the least

Actually I was looking between BCP, Chase Freedom, and Discover More. Discover denied me said I didn't have a long enough history. I didn't try Chase my DH apped with them and they only gave him $500 and he got good credit so I didn't bother but I did like what they offer maybe down the road I will get it.

Re: Amex question

Anonymous — Sat, 24 Sep 2011 03:36:42 GMT

Congrats!

When you applied, did you log in to your Amex account first and appy from within, or do the app without logging in? Not sure if this matters, but just curious as I am in the same spot as you, having the Zync for about a month, I'm probably going to wait a month or two before apping waiting for a few INQ to fall off and also pay down a $900 balance on my new CITI Card as well.

Re: Amex question

Mekitcat — Sun, 25 Sep 2011 01:40:37 GMT

Thanks!

Yes I did it while logged into my account. It asks you to put in the 4 digit number on the front of your card. It makes the process go faster too because they are using the info off your account to do it.

If you do it good luck!

Re: Amex question

Mekitcat — Mon, 26 Sep 2011 20:13:28 GMT

Wow! I just recieved my EX fico from AMEX and it was better than I thought! 749!! Yea!!

I am so on track now. I have come so far after losing everything years ago. It can only get better from here!!

I am beyond words happy!!

Re: Amex question

Anonymous — Mon, 26 Sep 2011 22:15:56 GMT

@Mekitcat wrote:
Wow! I just recieved my EX fico from AMEX and it was better than I thought! 749!! Yea!!

I am so on track now. I have come so far after losing everything years ago. It can only get better from here!!

I am beyond words happy!!

Congrats again!!! So you got a snail mail letter from AMEX with your official approval and it gave you your EX FICO scrore??? Did they tell you the APR for the card??? I thought if approved you did not receive a score, unless you don't receive the most favorable terms ie APR wise??? But I have read so many AMEX threads here that maybe I am wrong.