topic Re: AMEX double inq on same day!!! in Credit Cards

AMEX double inq on same day!!!

bichonmom — Sat, 25 Feb 2012 05:55:11 GMT

Well, it looks like I ended up with 2 HP from Amex after all. It looks like there was a delay in the second one showing up on my USAA CR. I guess those who only got one HP with multiple apps on the same day got lucky. It sure is NOT a probability!

Re: AMEX double inq on same day!!!

Guava — Sat, 25 Feb 2012 06:22:09 GMT

oh dang, the days of 2 for 1 from amex might be over

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 06:23:20 GMT

Sorry that happened, that's disappointing. I wonder if one of them being the Costco card was the reason.

Re: AMEX double inq on same day!!!

Guava — Sat, 25 Feb 2012 06:35:41 GMT

@Anonymous wrote:
Sorry that happened, that's disappointing. I wonder if one of them being the Costco card was the reason.

ah true! I've read the costco amex is somewhat different from the other amex. I spoke too soon!

Re: AMEX double inq on same day!!!

RyVision — Sat, 25 Feb 2012 06:38:42 GMT

You were kind of prepared for the 2 before hand I think. You were really rather hoping it'd turn out to be the one. Either way, you got 2 great cards you wanted from a great company that back dates and you were planning on gardening (IIRC) so you're really kind of golden all around (the inq's won't mean spit after the back dating hits!).

Still Big Congrats!

Re: AMEX double inq on same day!!!

LS2982 — Sat, 25 Feb 2012 11:10:43 GMT

@bichonmom wrote:
Well, it looks like I ended up with 2 HP from Amex after all. It looks like there was a delay in the second one showing up on my USAA CR. I guess those who only got one HP with multiple apps on the same day got lucky. It sure is NOT a probability!

Sorry to hear Bichon! Maybe yo ucan give AMEX acall and see if they can help??

Re: AMEX double inq on same day!!!

LS2982 — Sat, 25 Feb 2012 11:11:15 GMT

@RyVision wrote:
You were kind of prepared for the 2 before hand I think. You were really rather hoping it'd turn out to be the one. Either way, you got 2 great cards you wanted from a great company that back dates and you were planning on gardening (IIRC) so you're really kind of golden all around (the inq's won't mean spit after the back dating hits!).

Still Big Congrats!

Think of it this way Bichon!

Re: AMEX double inq on same day!!!

boomhower — Sat, 25 Feb 2012 11:37:24 GMT

I got the same thing. What did you apply for? Latest I've been hearing is two of the same products(either charge or revolver) will be one pull. But one charge and one revovler will be two hits.

Re: AMEX double inq on same day!!!

LS2982 — Sat, 25 Feb 2012 11:39:50 GMT

@boomhower wrote:
I got the same thing. What did you apply for? Latest I've been hearing is two of the same products(either charge or revolver) will be one pull. But one charge and one revovler will be two hits.

This sounds like how it is.

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 12:07:59 GMT

I got hit with 2 pulls after a back to back app of he Platinum and Premier Rewards. Funny thing is that 3 weeks later I ended up canceling the Platinum and when the AF is due I'm going to cancel the PRG as well. At least it did add to my AAoA.

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 12:41:17 GMT

@LS2982 wrote:
@RyVision wrote:
You were kind of prepared for the 2 before hand I think. You were really rather hoping it'd turn out to be the one. Either way, you got 2 great cards you wanted from a great company that back dates and you were planning on gardening (IIRC) so you're really kind of golden all around (the inq's won't mean spit after the back dating hits!).

Still Big Congrats!
+1

Think of it this way Bichon!

Welcome to the AmEx Family

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 12:50:35 GMT

You applied for 1 charge card and 1 credit card. Its my understanding that is the reason for the 2 inq. If you apped for 2 credit cards or 2 charge cards you should only see 1.

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 15:06:39 GMT

@Anonymous wrote:
You applied for 1 charge card and 1 credit card. Its my understanding that is the reason for the 2 inq. If you apped for 2 credit cards or 2 charge cards you should only see 1.

that's not entirely true. I think this is probably a ymmv kinda thing. Or, I'm even willing to put some value into the Costco thought. But last Sept, I got the PGR and Blue online, minutes apart, instant approval each....1 pull.
Bichonmom, you're good! Tose inq don't matter. Enjoy your cards and your seat in the garden....really

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 15:18:53 GMT

The Double-HP isn't really a surprise.

No idea if they'd consider removing one. Good thing is they'll age off simultaneously.

Re: AMEX double inq on same day!!!

frogfan12 — Sat, 25 Feb 2012 16:44:34 GMT

Well, at least we now know.

And you got two good cards out of it.

Re: AMEX double inq on same day!!!

bichonmom — Sat, 25 Feb 2012 18:11:49 GMT

Thanks for the replies. I was kind of holding my breath, but thought it was clear. Then checked last night and saw the bad news.

Yes, I am thrilled to get the 2 Amexes... now just have to hope I can get backdating. That's going to be tricky, since i don't have acct. info any longer. All I have is an acct number from an old EX cr, which people have posted here will not work with Amex. So, my fingers are crossed!

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 18:18:06 GMT

The regular CSR won't be able to help if the account has fallen off the screen they have access to.

I even had an old bill and had no luck, LOL! Called back during regular business hours and the CSR requested an archive search. They don't respond or notify you of results, though. If they find the account a new backdated card will be overnighted.

Re: AMEX double inq on same day!!!

bichonmom — Sat, 25 Feb 2012 18:23:34 GMT

@Anonymous wrote:
The regular CSR won't be able to help if the account has fallen off the screen they have access to.

I even had an old bill and had no luck, LOL! Called back during regular business hours and the CSR requested an archive search. They don't respond or notify you of results, though. If they find the account a new backdated card will be overnighted.

Thanks for the info. I'm waiting with bated breath for the cards to come in the mail and see what the date says!

Re: AMEX double inq on same day!!!

Anonymous — Sat, 25 Feb 2012 18:51:20 GMT

Because they are your first new cards, they are likely going to be imprinted with this year as the member since date, but that doesn't mean you haven't been backdated. When you set up the online access, the year that shows at the top of the page is what will report.

My first card last year said member since '11 on it, cards I applied for after that were imprinted with the backdated year without my requesting it.

Re: AMEX double inq on same day!!!

bichonmom — Sat, 25 Feb 2012 19:22:50 GMT

Yeah, unfortunately I can't set up my acct online until I get the cards! (or at least one of them.) Waiting anxiously...