Can you apply for a personal and business Amex rev... - myFICO® Forums

ReGuy71 · ‎03-23-2022

Or does one of those need to be a charge card? I'm planning to apply for the personal Delta Platinum and either the business Delta Reserve or biz Marriott. Would one of the biz cards need to be a charge card or while they let me apply for a personal and biz revolver at same time?

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO

FinStar · ‎03-23-2022

@ReGuy71 wrote:
Or does one of those need to be a charge card? I'm planning to apply for the personal Delta Platinum and either the business Delta Reserve or biz Marriott. Would one of the box cards need to be a charge cars or while they let me apply for a personal and biz revolver at same time?

Yes, you can apply for both. Some folks have submitted both applications in sequence, but there are instances where you have to wait before you can submit a 2nd one. My advice is to space your applications to prevent any potential processing delays on the 2nd one. AmEx is known to have a 5-day rolling period 'soft rule' when applying for 2 revolvers back-to-back, but it's unknown how strictly they enforce that. It's one of those YEMV situations.

SouthJamaica · ‎03-24-2022

@ReGuy71 wrote:
Or does one of those need to be a charge card? I'm planning to apply for the personal Delta Platinum and either the business Delta Reserve or biz Marriott. Would one of the biz cards need to be a charge card or while they let me apply for a personal and biz revolver at same time?

My recollection is that things get confused if they are closer than 7 calendar days to each other and still pending. So I would apply for one, and then wait 7 calendar days, unless the first application is approved sooner.