Amex SP on additional card

[W261w261]

I applied for an additional card on 1/21 and they used a SP from 12/24, exactly 4 weeks prior

[simplynoir]

By "additional card" do you mean you applied for another credit card product and they used the last updated EX credit score on your AMEX account? If so this is a known issue with them. You would need to wait for them to refresh their scores on their website first if you looking for a score increase to update to increase your chances of a better approval/terms with a credit card application with AMEX

[W261w261]

I actually have never checked my score on the Amex account pages.  I was just noting that it was a SP because I'm a customer, and it was 4 weeks in arrears.  

[FinStar]

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@W261w261 wrote:

I actually have never checked my score on the Amex account pages.  I was just noting that it was a SP because I'm a customer, and it was 4 weeks in arrears.  

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Yes, there's been discussions on this in the past where AENB has been known to use SP data from a prior month with a variety of lending decisions including CLIs.

[SoCalGardener]

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@W261w261 wrote:

I actually have never checked my score on the Amex account pages.  I was just noting that it was a SP because I'm a customer, and it was 4 weeks in arrears.  

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Really? Your account was in arrears?

[FinStar]

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@SoCalGardener wrote:

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@W261w261 wrote:

I actually have never checked my score on the Amex account pages.  I was just noting that it was a SP because I'm a customer, and it was 4 weeks in arrears.  

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Really? Your account was in arrears?

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They're referencing the *score update* being on a lag, not their account being past due.

[W261w261]

Haha! I wouldn't want to have an account 4 weeks behind with them! Ouch!

I went back and looked. There were 3 SP's between the one they used and the date of the request. I wonder if that's on purpose, to smooth out any very short-term activity. While I was at it, I counted the number of SP's in the past year: 76.