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Amex Double Apps

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credit_endurance
Valued Contributor

Amex Double Apps

I am highly considering leaving the garden and apping for an Amex card(s) in the very near future and have read a few threads regarding a double app for 1 hard pull.

Question for those in the know, if you double app in which order would be best charge card then revolver? or revolver first then charge card? And also should you app for both within the same 24 hour timefrme to assure 1 hard pull? or split them up as for instance =( 11;59pm for one app then 12:01am the next day for the second app)? or even the 2 browsers open at one time affect? Smiley Wink

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 19
18 REPLIES 18
Anonymous
Not applicable

Re: Amex Double Apps

It don't matter the system still see it nomatter how you do it and I did it and got approved for two on a SP since I'm already a member and I even call two different Reps to make sure and they both confirm but the only issue you may run in to is that you may get a message to call in on the second app so it best to do it during business hours but Amex it's like Russian Roulette but they show lots of love to they members.
Message 2 of 19
Anonymous
Not applicable

Re: Amex Double Apps

I personally did revolver than charge. I did 1 app, than when it was approved did the 2nd. Good luck! Let us know what you get Smiley Happy

Message 3 of 19
UncleB
Credit Mentor

Re: Amex Double Apps

I've done it both ways... in 2015 I app'd for a Green then a BCP, and last year I app'd for a Delta Gold then PRG.  Both times I only got one HP.

 

I would not recommend doing this late in the evening, though... if you end up with each application being on a different calendar day (in whatever time zone Amex is in) you would likely end up with a HP for each. 

 

Note that if you ask Amex directly about this, they will insist that they do a HP for each application; because of this it's believed that Experian merges HPs from the same issuer if made the same day (which is why it's important for you to do your applications well before midnight).

 

Also, it's not necessary to do anything fancy with multiple browsers, tabs, etc... both times I did my own applications around 20 minutes apart in the same browser.  The PRG app did require me to call but that was because I used a VPN to find a higher signup bonus, not because I did two apps in one day.

 

Good luck!  Smiley Happy

Message 4 of 19
credit_endurance
Valued Contributor

Re: Amex Double Apps


@UncleB wrote:

I've done it both ways... in 2015 I app'd for a Green then a BCP, and last year I app'd for a Delta Gold then PRG.  Both times I only got one HP.

 

I would not recommend doing this late in the evening, though... if you end up with each application being on a different calendar day (in whatever time zone Amex is in) you would likely end up with a HP for each. 

 

Note that if you ask Amex directly about this, they will insist that they do a HP for each application; because of this it's believed that Experian merges HPs from the same issuer if made the same day (which is why it's important for you to do your applications well before midnight).

 

Also, it's not necessary to do anything fancy with multiple browsers, tabs, etc... both times I did my own applications around 20 minutes apart in the same browser.  The PRG app did require me to call but that was because I used a VPN to find a higher signup bonus, not because I did two apps in one day.

 

Good luck!  Smiley Happy


Good stuff UncleB as always a wealth of wisdom. And thanks to the others that contributed. I am going to app witin the next couple of weeks and will keep you'll informed Smiley Wink

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 5 of 19
Meanmchine
Super Contributor

Re: Amex Double Apps

My story

 

Apped first for the Green Card. Got 14 day notice. Five minutes later got approval email. 6:32AM

Waited about 12 hours

Decided to try for BCE. Instand approval 2k at 6:40PM

 

Good luck

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 6 of 19
credit_endurance
Valued Contributor

Re: Amex Double Apps** Update Approved 2/2/17**

Hello all just wanted share my sucess with the amex express double app process. Was trying to wait on a couple of balances to report to zero on my report but just decided to go ahead and give it a whirl. Appiled for the BCE prefeered first as this one was my main target and recieved instant approval for a $10k SL! Then waited around an hour or so and applied for the PGR gold card and recieved instant approval for that one as well! Havent recieved any alerts on my reports yet regarding a HP but something interesting occured during my BCEpreferred app. Signed in and applied through the Amex website in which I already have a BCE card and they just asked for the last 4 of SSN for that application. And for the PGR they didnt ask for any SSN info so, not sure if this would be a soft pull as a few have recently reported for current amex members. None the less, very excited about both amex approvals! Eveything in my sig is current so it certainly goes to show that you dont need 700 plus credit scores with amex to get a decent SL as they take in consideration more aspects of your credit profile for approvals. I just cant thank this forum enough for the wealth of insight and knowldge our contibutors provide Smiley Happy

 

I think I will convert my $2k limit on my BCE over to the preferred once it hits a year and close it. These 2 apps assures my place in the garden for a infinite amount of time thanks again to my fico forums! Smiley Wink

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 7 of 19
Anonymous
Not applicable

Re: Amex Double Apps

I apped for charge card first, instant approval, so then went ahead and applied for HiltonHonors with another instant approval for 5k.

Message 8 of 19
Aduke1122
Senior Contributor

Re: Amex Double Apps

Yah Bruisedcredit a BIG CONGRATS to you friend !!
Message 9 of 19
Aduke1122
Senior Contributor

Re: Amex Double Apps

And what are your scores these days , I can't see your signature I'm on mobile ?
Message 10 of 19
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