topic Re: Amex App Question in Credit Cards

Amex App Question

Jayb5635 — Tue, 12 Mar 2013 02:06:10 GMT

Guys, I applied for the amex platinum a coue days ago. A little while ago they contacted me asking me to unfreeze my experian report. I was busy and said I'd call back tomorrow. It's my understanding if they hard pull a cardmember it's because you're gonna be approved, so is that the case ??? Granted when I filled out the app I was not logged onto the amex site but the rep I spoke with mentioned I had a zync so they know I'm a cardmember lol.

Re: Amex App Question

scenery_guy — Tue, 12 Mar 2013 03:05:38 GMT

True, HP is typically approval but SP is a decline. However they might just be trying to SP you but they can't as it's locked (or does freezing work that way?). Either way good luck and call them soon!

Re: Amex App Question

jamesdwi — Tue, 12 Mar 2013 03:08:20 GMT

Your creditors can SP all day long with a freeze. If it was that eazy to hide 90 day lates, every dead beat would do it...

Re: Amex App Question

Jayb5635 — Tue, 12 Mar 2013 03:31:28 GMT

Right, that's why I think I'm approved, they simply want 2 mark the inquiry on my report

Re: Amex App Question

youngandcreditwrthy — Tue, 12 Mar 2013 03:41:43 GMT

Ill say, prematurely- congrats on your Amex Platinum!

Re: Amex App Question

myjourney — Tue, 12 Mar 2013 04:02:28 GMT

@youngandcreditwrthy wrote:
Ill say, prematurely- congrats on your Amex Platinum!

Re: Amex App Question

09Lexie — Tue, 12 Mar 2013 04:20:30 GMT

Re: Amex App Question

Jayb5635 — Tue, 12 Mar 2013 16:17:06 GMT

So I granted amex access to my experian report, and afterwards they said to finish my application they would need form 4506-t. I told them to cancel the app. No way I'm providing them that much access to sensitive info, a paystub should suffice. I'm good with my unicorn lol.