topic Re: Amex? in Credit Cards

Amex?

Mama-j — Tue, 01 Jan 2013 01:40:42 GMT

I was approved for Amex green on 12/29 and appld for Delta, but was denied and I know it was because my utl was at 56% (I thought CR already reflects my new utl of 10%). Now I want to take advantage of the Jan backdating but I can't apply for another Amex for another 30 days correct? EX is my cleanest report. No collection and 10% utl, 2 lates and 3 inquiries . Whereas my EQ has one 1 collection and 2 lates. And they pulled only EX.

Re: Amex?

pizzadude — Tue, 01 Jan 2013 02:11:34 GMT

That's correct ~ you'll have to wait 30 days from the date you applied for the delta card before you can app again.

Re: Amex?

Cdnewmanpac — Tue, 01 Jan 2013 03:02:58 GMT

You can apply on 1/30. That will still show as 1/12 on credit report, still maximizes backdating.

Re: Amex?

jsucool76 — Tue, 01 Jan 2013 03:46:34 GMT

Are you sure you received a 2012 member date? Some apps late in the year will get the next year.

Re: Amex?

Anonymous — Tue, 01 Jan 2013 04:01:13 GMT

@Cdnewmanpac wrote:
You can apply on 1/30. That will still show as 1/12 on credit report, still maximizes backdating.

And even if you get 2/12, pretty soon the difference will hardly matter.

Re: Amex?

SnackTrader — Tue, 01 Jan 2013 04:20:30 GMT

check the membership date on your card before assuming backdating.

Re: Amex?

bichonmom — Tue, 01 Jan 2013 09:27:06 GMT

@Mama-j wrote:
I was approved for Amex green on 12/29 and appld for Delta, but was denied and I know it was because my utl was at 56% (I thought CR already reflects my new utl of 10%). Now I want to take advantage of the Jan backdating but I can't apply for another Amex for another 30 days correct? EX is my cleanest report. No collection and 10% utl, 2 lates and 3 inquiries . Whereas my EQ has one 1 collection and 2 lates. And they pulled only EX.

Try to recon. Amex will recon if the issue you were denied for has changed. Since your util has changed, call and recon.

Re: Amex?

Mama-j — Tue, 01 Jan 2013 20:04:02 GMT

Will that means they need to do another HP?

Re: Amex?

Revelate — Tue, 01 Jan 2013 20:49:51 GMT

@Mama-j wrote:
Will that means they need to do another HP?

Yes as they need to verify that the information has changed. I'd wait the proscribed time and then reapply personally.

Re: Amex?

Mama-j — Tue, 01 Jan 2013 20:51:34 GMT

Yes, I think I'll do that too. Thanks all.