topic Re: Amex App Question in Credit Cards

Amex App Question

Jayb5635 — Wed, 06 Feb 2013 20:50:09 GMT

Hey guys, I have my eye on the blue cash everyday from amex. A month ago, I got approved for the chase sapphire preferred and afterwards was feeling brave and applied for the bce and was denied. They pulled experian and I've since confirmed it was a soft pull. I have my experian and transunion frozen since they both have 2 negative accounts still reporting that I have months disputing. I have asked every lender I've applied with(Amex, Chase twice, Barclays) to pull my Equifax and all have. What I am thinking to do, is to not login to the amex site and apply. Then I can call in afterwards and request they pull Equifax without mentioning I'm currently a Zync cardholder. Thoughts ??? Thanks for any and all feedback.

Re: Amex App Question

Anonymous — Wed, 06 Feb 2013 20:58:02 GMT

Amex pulled two bureaus for me. They will probably deny you if they can only pull Equifax since, in my experience, they don't use Equifax all that much.

Seems like a lot of work and little patience. How about let your chase and barclays age a bit and then re-apply for the BCE in six months?

They will know you're an AMEX customer. Come on dude. There are ways to get around things, but trying to get around the fact that you're a Zync member with your shenanigans sounds like something Laurel and Hardy would attempt.

You have a better chance of doing this the legit way - Apply for the standard Green charge card. You'll be approved. Wait a year and you'll have your BCE.

Re: Amex App Question

Jayb5635 — Wed, 06 Feb 2013 21:05:14 GMT

The green doesn't interest me. I'd rather keep the Zync and pay the 25 dollar AF versus a 95 dollar AF on the green. Also I've requested lenders pull my Equifax because its the cleanest of my three. The cards I own(chase freedom, chase sapphire preferred, amex zync, barclay reward mc) I have had since August.

Re: Amex App Question

Anonymous — Wed, 06 Feb 2013 21:07:35 GMT

The green AF is waived for the first year. You can get it, hold onto it for a year and convert it to a BCE before your annual fee is due.

Re: Amex App Question

Jayb5635 — Wed, 06 Feb 2013 21:09:35 GMT

I thought you could not convert the green to the bce since the green is a charge card and the other a revolver. Am I mistaken ???

Re: Amex App Question

Anonymous — Wed, 06 Feb 2013 21:14:09 GMT

Probably right, but I bet you could app for the Revolver after 11.5 months and be approved. Then close the green.

Re: Amex App Question

Jayb5635 — Wed, 06 Feb 2013 21:23:13 GMT

So why do you think I should apply for the green ??? I'm already in with Amex since I've had a Zync since August 2012, so is it because it would look better to have the green coupled with the Zync ???

Re: Amex App Question

Swapmeet — Wed, 06 Feb 2013 21:26:02 GMT

I am not sure why you would want to app for a second charge card...

Re: Amex App Question

Jayb5635 — Wed, 06 Feb 2013 21:34:18 GMT

I would think just having the Zync is enough. My experian fico according to Amex a couple months back was 645. I still have two negative accounts from years ago reporting on them. One falls off next year, the other 3 years from now. My thinking was well if I can get in with them maybe that will help my chances, and I was approved for the Zync(npsl) almost 6 months ago. I also own a chase freedom(1500cl), barclays rewards mastercard(1500cl), and chase sapphire preferred(5000cl).

Re: Amex App Question

jake619 — Wed, 06 Feb 2013 22:52:00 GMT

Why not try to recon the BCE decline before contriving any plans???

Re: Amex App Question

Jayb5635 — Thu, 07 Feb 2013 02:35:26 GMT

Yeah, I actually just typed up a letter, and printed a copy of my Equifax report from the day before I originally applied. I'm gonna fax it to them tomorrow morning.