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Applied for American Express GOLD card

Established Contributor

Re: Applied for American Express GOLD card

CH 13 FILED 4/2017. 

DC 1/2021.




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.




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.



FICO 8 (1/17/23) EX 720 EQ 717 TU 730
FICO 9 (1/17/23) EX 730 EQ 764 TU 750
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 3/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One Quicksilver MC 3K | Capital One Walmart MC 2K | NFCU Amex 10.5K | Bread Financial American Express 7K l AAA Daily Advantage Visa Signature 5K I Wells Fargo BILT World Elite MC 30K I UCLA Wescom CU Rewards Visa 7K
Message 11 of 14
Community Leader
Super 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.

Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 12 of 14
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 

Active Cards (Business & Personal):

Rebuilding Starting Scores - December 2021

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

Stats: : 2/6; 12/12; 16/24 --- AAoA 3 YRS, 7 MO --- INQ: EX-5/TU-6/EQ-1
Current Goal: 740
Past Goal: 700 (10/2022)
Take the myFICO Fitness Challenge
Message 13 of 14
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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