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American express

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Anonymous
Not applicable

American express

I want to apply for two Amex cards maybe 3 at once. Is there a way to use on hard pull to apply for all three?
Message 1 of 10
9 REPLIES 9
pinkandgrey
Senior Contributor

Re: American express


@Anonymous wrote:
I want to apply for two Amex cards maybe 3 at once. Is there a way to use on hard pull to apply for all three?

I don't know about combining the HP for all 3 on the same day, but I do know that existing Amex cardholders usually can get new cards with only a SP. Maybe get the one you most want now, and then wait awhile and try for the others. Good luck! Amex is great! 

Discover It: 26.5k
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Message 2 of 10
SomewhereIn505
Valued Contributor

Re: American express


@Anonymous wrote:
I want to apply for two Amex cards maybe 3 at once. Is there a way to use on hard pull to apply for all three?

You can typically get away with 1 HP for a charge and revolver in one HP if done same day. YMMV

 

Which cards are you looking at?


3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789

Message 3 of 10
Anonymous
Not applicable

Re: American express


@Anonymous wrote:
I want to apply for two Amex cards maybe 3 at once. Is there a way to use on hard pull to apply for all three?

 

Its possible to get get two cards - one credit and one charge - in one day.  But you will not be able to get more than one credit card in one day.  The reason is Amex's "1 in 5" rule where you can only be approved for 1 credit card in a five-day period.  If you submit 2 credit card applications on the same day, the second application will not be processed until 3-5 business days elapse.

Message 4 of 10
Anonymous
Not applicable

Re: American express

So I would need to apply for one, wait 5 days or 5 business days? before applying for the second?

Message 5 of 10
Cred4All
Valued Contributor

Re: American express

1 Charge and 1 Credit card in 1 day.  Then after 5 days, you could apply for the 3rd card.  (2 in one day if one is a charge and the other is a revolver.)


Message 6 of 10
Anonymous
Not applicable

Re: American express

You can applying for 1 now and maybe apply for more about a year later? I didn't get a HP for when applying for my second Amex card.

Message 7 of 10
Anonymous
Not applicable

Re: American express

Are you an existing Amex cardholder? I was able to get approved for the Amex PRG,SPG and Amex Delta Gold a few days ago with no HP reporting so far. I was preapproved for all of them.
Message 8 of 10
Anonymous
Not applicable

Re: American express

My girlfriend just applied a few days ago for 2 amex cards back to back and was approved for both. The delta gold and the bce. Pre-approved for one and just cold app for the second. 10k limit on the gold and 2k limit on the other
Message 9 of 10
Brian_Earl_Spilner
Credit Mentor

Re: American express


@Anonymous wrote:
My girlfriend just applied a few days ago for 2 amex cards back to back and was approved for both. The delta gold and the bce. Pre-approved for one and just cold app for the second. 10k limit on the gold and 2k limit on the other

There's a chance that they may close the second one. You're allowed 2 revolvers in a 90 day period, 1 in a 5 day period. There's also a chance that she may slip through and keep both, but anything triggering a review may cause them to cancel the second card because she wasn't supposed to have it in the first place.

    
Message 10 of 10
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