Applying for multiple Amex cards at once...how many inquiries?

[Anonymous]

Does anyone have insight into, if I apply for 2 or 3 different Amex cards on the same day, whether they will do multiple hard pulls or just use the single inquiry to determine eligibility for all 3?

In a month I'm planning to apply for the Gold and Platinum charge cards and the Blue Cash Preferred credit card. 

Thank you in advance!

[FinStar]

Are you currently a cardmember or would these be the first cards with AmEx?

[Anonymous]

They will be my first cards with them, although I was previously an AU on someone's Platinum card. 

[silver_idle]

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@Anonymous wrote:

Does anyone have insight into, if I apply for 2 or 3 different Amex cards on the same day, whether they will do multiple hard pulls or just use the single inquiry to determine eligibility for all 3?

In a month I'm planning to apply for the Gold and Platinum charge cards and the Blue Cash Preferred credit card. 

Thank you in advance!

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If youre already a amex member you would generally see SP (though a HP is possible), however if this is your first time applying for amex, then ymmv. People have reported that if youre approved for an Amex account that the second application would generally be a SP, but like I said it varies. I also dont know if the third application would be a SP if you are approved but I will say this, you probably will only be able to apply for a single charge card and a revolving card in the same day. I believe you would have to wait if you want to get a second charge card. You would generally want to only get one card and build up a history with them before applying again, which would yield a better chance of an SP and a better SL.

[Anonymous]

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@silver_idle wrote:

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@Anonymous wrote:

Does anyone have insight into, if I apply for 2 or 3 different Amex cards on the same day, whether they will do multiple hard pulls or just use the single inquiry to determine eligibility for all 3?

In a month I'm planning to apply for the Gold and Platinum charge cards and the Blue Cash Preferred credit card. 

Thank you in advance!

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If youre already a amex member you would generally see SP (though a HP is possible), however if this is your first time applying for amex, then ymmv. People have reported that if youre approved for an Amex account that the second application would generally be a SP, but like I said it varies. I also dont know if the third application would be a SP if you are approved but I will say this, you probably will only be able to apply for a single charge card and a revolving card in the same day. I believe you would have to wait if you want to get a second charge card. You would generally want to only get one card and build up a history with them before applying again, which would yield a better chance of an SP and a better SL.

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Thank you, I will keep that in mind. Is it advisable to apply for the Platinum and the credit card on the same day or would there be a disadvantage to that? How long would you recommend waiting to get the Gold at that point? 

[Anonymous]

You can apply for the charge card and the revolver the same day. For the second charge card, personally I'd wait awhile, make sure you hit the spend targets for the cards' SUBs, and then watch for the "Seventh_Summit, you're preapproved!" language to indicate that Amex is comfortable and ready to extend additional credit.

[Anonymous]

I applied for a Gold immediately after I applied and was approved for the Platinum. Status changed to need more information, so I got in the phone with a CSR that the Gold app was canceled since I have to wait 30 days to app for a second charge card. However, I agree with others that you can app for one charge and one revolver in same day using the same pull.

[GrandBaker]

I had an EDP prior to my recent app for the Platinum card. Instant approval but yet to see any notifications on a hard pull fire off. 

But if you are a new member (I doubt AU counts in this case) you should expect to see a hard pull for each new application as you have no established history with them.

Just my 2 cents. 

[Repairman]

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@Anonymous wrote:

I applied for a Gold immediately after I applied and was approved for the Platinum. Status changed to need more information, so I got in the phone with a CSR that the Gold app was canceled since I have to wait 30 days to app for a second charge card. However, I agree with others that you can app for one charge and one revolver in same day using the same pull.

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How about 2 revolvers in the same day?

[FinStar]

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@Repairman wrote:

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@Anonymous wrote:

I applied for a Gold immediately after I applied and was approved for the Platinum. Status changed to need more information, so I got in the phone with a CSR that the Gold app was canceled since I have to wait 30 days to app for a second charge card. However, I agree with others that you can app for one charge and one revolver in same day using the same pull.

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How about 2 revolvers in the same day?

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You can try, but it's going to be YEMV.  Their soft rule typically allows or limits one approved revolver every 5-day rolling period and two approved revolvers every 90-day rolling period.