Applying for a second AMEX

[mikelo22]

So I applied for my Amex BCE card back in June. I am looking into the Amex SPG at the moment. However, I was thinking that it would make the most sense to wait until January to apply. This way it gets backdated to January 2014 instead of December 2014 (almost a year difference). 

Am I making sense here? Is that how it would work?

On another note, I just wanted to verify two things about the Amex SPG:

1. Since it is a full-fledged Amex Card (unlike, i.e., Fidelity), it will backdate.

2. Since I have never had this card before, I will be able to take advantage of the 25K bonus points offer.

Am I right on both these assumptions?

Thanks for any help!

[Anonymous]

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@mikelo22 wrote:

So I applied for my Amex BCE card back in June. I am looking into the Amex SPG at the moment. However, I was thinking that it would make the most sense to wait until January to apply. This way it gets backdated to January 2014 instead of December 2014 (almost a year difference). 

Am I making sense here? Is that how it would work?

On another note, I just wanted to verify two things about the Amex SPG:

1. Since it is a full-fledged Amex Card (unlike, i.e., Fidelity), it will backdate.

2. Since I have never had this card before, I will be able to take advantage of the 25K bonus points offer.

Am I right on both these assumptions?

Thanks for any help!

---

Yes, unless you have a (very) urgent need for the card now, it makes sense to wait till Jan.     A lot of the time this is overstressed (e..g in June, if the card has good value, it's not worth waiting till Jan for a minor backdate), but by Dec, probably.

And yes, it is issued by Amex so will backdate, and you should be able to get the bonus offer.

[Luscher]

+1 wait until January. It will make your card appear as though it has been open for 1 year.

[Anonymous]

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@Luscher wrote:
+1 wait until January. It will make your card appear as though it has been open for 1 year.

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Thank you.  I will wait too as I want another personal card...

[WLRK11]

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@mikelo22 wrote:

So I applied for my Amex BCE card back in June. I am looking into the Amex SPG at the moment. However, I was thinking that it would make the most sense to wait until January to apply. This way it gets backdated to January 2014 instead of December 2014 (almost a year difference). 

Am I making sense here? Is that how it would work?

On another note, I just wanted to verify two things about the Amex SPG:

1. Since it is a full-fledged Amex Card (unlike, i.e., Fidelity), it will backdate.

2. Since I have never had this card before, I will be able to take advantage of the 25K bonus points offer.

Am I right on both these assumptions?

Thanks for any help!

---

I love Starwood (and my SPG card)! 

1. Yes

2. Yes 

I've been eyeing the BCP for a few months, but I'm waiting until January 1, 2015 for the same reason. Good luck!

[Anonymous]

hi all, new to the forums!

im kinda in the same situation as the OP i guess. i got instant approved in september 2015 for my first amex (BCP) for $4k. last week (early november 2015), i requested a 3X CLI and they gave it to me on the spot, no income verification. i want to get the PRG. i just have two cards right now (WF platinum visa $13k and amex BCP $12k). no baddies, 735 FICO 8 score as of october.

should i take a stab at the PRG in a couple weeks? or just wait until january to make it look like ive had my card for a year?

cheers!

[Anonymous]

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@Anonymous wrote:

hi all, new to the forums!

im kinda in the same situation as the OP i guess. i got instant approved in september 2015 for my first amex (BCP) for $4k. last week (early november 2015), i requested a 3X CLI and they gave it to me on the spot, no income verification. i want to get the PRG. i just have two cards right now (WF platinum visa $13k and amex BCP $12k). no baddies, 735 FICO 8 score as of october.

should i take a stab at the PRG in a couple weeks? or just wait until january to make it look like ive had my card for a year?

cheers!

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AMEX no longer "backdates" cards when reporting to the credit bureau. Any new card with them will be reported with the date you actually opened the card.

[Anonymous]

ah ok cool thanks for the quick reply! now since i just requested a CLI last week, should i still wait to apply for the PRG or does that still not matter?

[Anonymous]

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@Anonymous wrote:

ah ok cool thanks for the quick reply! now since i just requested a CLI last week, should i still wait to apply for the PRG or does that still not matter?

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The fact that you just received a CLI will have no bearing on your approval odds. That will be based on your current credit profile and whether or not it meets the underwriting criteria for the card.

[Anonymous]

thanks for the help guys! i got insta-approved for the PRG! they're also expediting the card too