cancel
Showing results for 
Search instead for 
Did you mean: 

AU SP Amex Denial?

tag
MyDataMyChoice
Valued Contributor

AU SP Amex Denial?

Hello,

 

Happy Holidays!

 

 

I want to get MY Amex Back and not be an AU on my moms.

 

She just got hers back this month 1990

 

My MSD is 2007 (which is what my AU card says)

 

 

Question:  Can I apply online for a amex and get SP Denial?  or will it result in HP if denied?


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: AU SP Amex Denial?


@JTC403 wrote:

Hello,

 

Happy Holidays!

 

 

I want to get MY Amex Back and not be an AU on my moms.

 

She just got hers back this month 1990

 

My MSD is 2007 (which is what my AU card says)

 

 

Question:  Can I apply online for a amex and get SP Denial?  or will it result in HP if denied?


HP all the way.

Message 2 of 4
Kenny
Moderator Emeritus

Re: AU SP Amex Denial?

You don't get that same luxury. It will be a HP no matter what if you aren't a current member. (Also, remember that it's not always 100% sp if denied. There have been phantom reports of people getting the HP and being denied. It's just rare.)
Message 3 of 4
IamB2
Established Contributor

Re: AU SP Amex Denial?


@Kenny wrote:
You don't get that same luxury. It will be a HP no matter what if you aren't a current member. (Also, remember that it's not always 100% sp if denied. There have been phantom reports of people getting the HP and being denied. It's just rare.)

+1. Definitely will be an HP regardless. You are an authorized user, but you are not a full member with Amex.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.