topic Re: Inquiry consideration timeframe for AMEX in Credit Cards

Inquiry consideration timeframe for AMEX

missji — Mon, 12 Mar 2012 18:40:36 GMT

Credit Junkies,

In your experience, does AMEX look at inquiries in the last six months or the last 12 months for initial applications? I've paid down all of my cards except for one so my utilization is less than 10%. I'm going to check my scores again at the end of the week to see how much they've improved. I have no negatives on my EX except 10 million inquiries. 11 will be off completely in December. 10 will be a year old in September. Two are new (2/12 and 3/12). If it's 6 months, I might do it. But if it's 12 months, I'll wait until the end of the year.

Thanks! (and forgive me if this is already discussed somewhere...)

Re: Inquiry consideration timeframe for AMEX

LS2982 — Mon, 12 Mar 2012 19:03:13 GMT

I believe they look at INQ's from the last 12 months and scrutinize more the ones in the last 6 months. Excessive INQ's is almost an instant denial if you have other bad traits on your file.

Re: Inquiry consideration timeframe for AMEX

missji — Mon, 12 Mar 2012 19:07:11 GMT

Thanks. I'll wait until October or Novmeber. I have no negatives on EX and by then I will have 2 inquires within 12 months and zero within 6 months.

Re: Inquiry consideration timeframe for AMEX

LS2982 — Mon, 12 Mar 2012 19:08:56 GMT

Great idea missji! I'm in the same boat, waiting it out until January to remove INQ's.

Re: Inquiry consideration timeframe for AMEX

missji — Mon, 12 Mar 2012 19:14:46 GMT

I'll see you in the Garden!

Re: Inquiry consideration timeframe for AMEX

LS2982 — Mon, 12 Mar 2012 19:23:53 GMT

See ya there! I'm the one with the bar and tiki torches.........

Re: Inquiry consideration timeframe for AMEX

missji — Mon, 12 Mar 2012 20:40:35 GMT

LOL!

Re: Inquiry consideration timeframe for AMEX

Anonymous — Tue, 13 Mar 2012 00:28:51 GMT

Interesting question. Does Amex count their own inquiries? Ie if I apply after all my inquiries age past 6 months and am denied, then wait a couple more months, will they hold their own recent inquiry against me? I am hoping to apply for Amex in November, but have several inquiries from January and then more in March.