How long do i need to wait before cancelling an Amex Credit Card to make room for another card? I have 5 Amex CC right now, and i''ve just now cancelled my Amex Everyday, in favor of replacing it with the new Hilton Surpass for the SUB.
If i cancelled my Amex ED today, can i apply for the Surpass today, or wait 24 hours, or wait 30 days?
I would probably cancel one of the cards and wait a full month for your accounts to update on their end then apply for a new card.
@MyFault wrote:How long do i need to wait before cancelling an Amex Credit Card to make room for another card? I have 5 Amex CC right now, and i''ve cancelled my Amex Everyday, in favor of replacing it with the new Hilton Surpass for the SUB.
If i cancelled my Delta Blue today, can i apply for the Surpass today, or wait 24 hours, or wait 30 days?
if you wanted to cancel the card and then apply and then call recon to get it manually reviewed and they should be able to push it through sooner than waiting for a monthly cycle
https://youtu.be/bYWjFLXC2xs?si=syCVMVxdNNqXmBnQ&t=360
video above showed it took them about a week?
there's also the risk that you're in pop-up jail (no bonuses) so you should be able to request an account be reopened after closure within 30 days if need be
I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
@JoeRockhead wrote:I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
nope, you're right
do you only have 4 'credit cards' currently, the others are the Gold and Platinum charge cards? @MyFault
BBP, Amazon Business Prime, Bonvoy Business, Delta Blue?
@JoeRockhead wrote:I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
Charge cards do not, however i have 5 Amex CC between business and personal accounts.
@GZG wrote:
@JoeRockhead wrote:I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
nope, you're right
do you only have 4 'credit cards' currently, the others are the Gold and Platinum charge cards? @MyFault
BBP, Amazon Business Prime, Bonvoy Business, Delta Blue?
Correct. I just, a few hours ago, closed my Amex EveryDay CC.
@MyFault wrote:
@GZG wrote:
@JoeRockhead wrote:I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
nope, you're right
do you only have 4 'credit cards' currently, the others are the Gold and Platinum charge cards? @MyFault
BBP, Amazon Business Prime, Bonvoy Business, Delta Blue?
Correct. I just, a few hours ago, closed my Amex EveryDay CC.
people don't usually update the signature so quickly haha
yeah your choices are wait for the next Amex FICO score update in a month, and it should be long enough, or apply now, get the denial letter which you should be able to get through the online portal, and call in be like 'I canceled my card, please reconsider' and they'll manually review and offer an approval hopefully with the old CL of your last card or more
@GZG wrote:
@MyFault wrote:
@GZG wrote:
@JoeRockhead wrote:I didn' think the charge cards counted towards the 5 card limit. Am I mistaken about that?
nope, you're right
do you only have 4 'credit cards' currently, the others are the Gold and Platinum charge cards? @MyFault
BBP, Amazon Business Prime, Bonvoy Business, Delta Blue?
Correct. I just, a few hours ago, closed my Amex EveryDay CC.
people don't usually update the signature so quickly haha
yeah your choices are wait for the next Amex FICO score update in a month, and it should be long enough, or apply now, get the denial letter which you should be able to get through the online portal, and call in be like 'I canceled my card, please reconsider' and they'll manually review and offer an approval hopefully with the old CL of your last card or more
Sorry, i don't get on here as much as i used to as we have a little one now so i updated my signature while making the post lol.
@CreditCuriosity wrote:Can apply that day or next day, but will need to recon unless you are one that are eligible for more than 5 revolvers. When you call they will say cause of 5 revolvers just say you closed one and they will make the call to other dept and get it approved for you and will still get bonus etc assuming you didn't get pop-up while applying before the denial.
Yea, so i have no patience and tried to apply yesterday as it was already updated in my amex login that the card was closed. Unfortunately got the pop-up. Frustratingly, while i'm going after the card for the SUB, it's also a card i believe i'd keep open and use. I do put quite a bit of spend on my other amex cards so hopefully they'll let me out of pop up jail soon as i'd like to use the 170k points from the SUB on a stay in May of '24.