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Applied for American Express GOLD card

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Jeffster1
Valued Contributor

Re: Applied for American Express GOLD card

CH 13 FILED 4/2017. 

DC 1/2021.

 

AMEX IIB.

 

Applied 5/22 for Amex Gold...exactly 5 years 1 month from filing. 

Single HP on EX.

 

AMEX requested income verification.

 

There were some issues with processing the 4506-C.

 

AMEX GOLD APPROVED.

 

Applied immediately for BCE. APPROVED. SP only.

 

2 months later, I applied for Amex Hilton. APPROVED. SP ONLY.

 

1 month after that, I applied for Amex Marriott Bonvoy Bevy. APPROVED. SP only.

 

After my BK falls off in 4/24, I will begin going for CLIs.

 

YMMV.

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 11 of 14
FireMedic1
Community Leader
Mega Contributor

Re: Applied for American Express GOLD card


@FinStar wrote:

@mfinsmi1 wrote:

@MyDataMyChoice amex usually double pulls for NEW applicants now - after you get it on the persoanl card every new card you apply for business or persoanl will be a soft pull 


Just an FYI. Not every application will have a double hit on TU + EX. Plenty of DPs on single EX HPs without touching TU at all. Obviously, profile-specific.

 

As far as SP once becoming an AENB member, that's not always 100% the case. While the majority of applicants may experience SP approvals depending on AENB tenure, HPs are still possible with future cards -- there's DPs in the Approvals and Business Credit sections.


This ^^^^^^ Single pull EX for the BCP. None for the Gold 6 months later.


Message 12 of 14
mfinsmi1
Established Contributor

Re: Applied for American Express GOLD card

true everything is profile dependent but a double pull does not mean your credit profile is weak or you were/are blacklisted ... ive seen double pulls more common recently from my discord group 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 13 of 14
MyDataMyChoice
Valued Contributor

Re: Applied for American Express GOLD card

I was blacklisted due to BK and including them prior 

 

no credit pull when applying 

 

 

this time I got a credit pull. Tells me they will consider 



Message 14 of 14
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