topic Re: Amex ? in Credit Cards

Amex ?

AllPro — Wed, 18 Jan 2012 16:48:54 GMT

From what i have read, is it true Amex only hard pulls if approved ? Sorry for all the questions but i really have a itchy app finger ...

Re: Amex ?

CS800 — Wed, 18 Jan 2012 16:51:37 GMT

I believe this applies to existing Amex customers.

Re: Amex ?

pizzadude — Wed, 18 Jan 2012 17:02:04 GMT

@CS800 wrote:
I believe this applies to existing Amex customers.

That is correct. If you are not currently an AMEX customer you will get a hard pull regardless of whether or not you are approved.

Re: Amex ?

Anonymous — Wed, 18 Jan 2012 21:43:28 GMT

+1 only to amex card holders

Re: Amex ?

LS2982 — Wed, 18 Jan 2012 23:23:44 GMT

@AllPro wrote:
From what i have read, is it true Amex only hard pulls if approved ? Sorry for all the questions but i really have a itchy app finger ...

Do you have a account with AMEX currently?

Re: Amex ?

CS800 — Thu, 19 Jan 2012 00:22:57 GMT

Amex has a lot of good things.. SP for CLI's, got to love this one too

Re: Amex ?

Anonymous — Thu, 19 Jan 2012 00:24:45 GMT

@CS800 wrote:
Amex has a lot of good things.. SP for CLI's, got to love this one too

can't wait for 61 day mark to ask for 3x the limit

Re: Amex ?

CS800 — Thu, 19 Jan 2012 00:31:51 GMT

@Anonymous wrote:
@CS800 wrote:
Amex has a lot of good things.. SP for CLI's, got to love this one too
can't wait for 61 day mark to ask for 3x the limit

Same here for my BCE. One month to go for me.

Re: Amex ?

quest208 — Thu, 19 Jan 2012 00:45:16 GMT

@Anonymous wrote:
@CS800 wrote:
Amex has a lot of good things.. SP for CLI's, got to love this one too
can't wait for 61 day mark to ask for 3x the limit

cant wait for 6 months to ask for an amex

then maybe i can ask for 3x the limit LOLOLOL!!!!!!11

Re: Amex ?

Anonymous — Thu, 19 Jan 2012 00:46:15 GMT

@AllPro wrote:
From what i have read, is it true Amex only hard pulls if approved ? Sorry for all the questions but i really have a itchy app finger ...

Before you apply you can find out if you are pre-approved without a hard pull or inquiry. Note that, Amex requires good to excellent credit. Here's the link below:

https://www304.americanexpress.com/secure/my-special-offers?btct=SJHP_tile_ultimate

Re: Amex ?

CS800 — Thu, 19 Jan 2012 00:51:07 GMT

@quest208 wrote:
@Anonymous wrote:
@CS800 wrote:
Amex has a lot of good things.. SP for CLI's, got to love this one too
can't wait for 61 day mark to ask for 3x the limit

cant wait for 6 months to ask for an amex

then maybe i can ask for 3x the limit LOLOLOL!!!!!!11

I read also recently that some people have gotten more than $25k CL

Re: Amex ?

AllPro — Thu, 19 Jan 2012 02:03:58 GMT

Thanks ! I have a fraud alert on my account so i cant use the pre aproval. I was thinking of getting the Zync charge card but im going to wait now( also not a current card holder). I dont want to loose the barclay card i just got.. Ill try for amex in 6 months !

Re: Amex ?

improvingmycredit — Thu, 19 Jan 2012 02:10:57 GMT

@AllPro wrote:
Thanks ! I have a fraud alert on my account so i cant use the pre aproval. I was thinking of getting the Zync charge card but im going to wait now( also not a current card holder). I dont want to loose the barclay card i just got.. Ill try for amex in 6 months !

Smart Move!!! I waited the 6 months before applying for my Amex Charge also. Was the best thing I ever did. My scores went up up up and my INQs aged. Looking at my credit file, Barclays SP me every month on TU and EX. Good luck with your app in June/July!

Edited for punctuation/ Grammar

Re: Amex ?

AllPro — Thu, 19 Jan 2012 02:26:11 GMT

Yeah Im guessing my Ex Fico is 730 or higher I have no INQs, and report is flawless. I hope to be in the 800s in 6 months !

Re: Amex ?

Anonymous — Thu, 19 Jan 2012 03:07:04 GMT

@AllPro wrote:
Thanks ! I have a fraud alert on my account so i cant use the pre aproval. I was thinking of getting the Zync charge card but im going to wait now( also not a current card holder). I dont want to loose the barclay card i just got.. Ill try for amex in 6 months !

Great thinking. Waiting for six months will definitely help your approval. Pls keep me posted.