No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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
@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.
@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.
![]()
![]()
![]()
![]()
![]()
![]()
![]()
![]()
![]()
![]()