@Brian_Earl_Spilner wrote:
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
What about the amex everydays? And won't there be another hp if there's no pre-approval?
The first thing I'd do is to check for pre-approval. Simply log-in, go to cards, and click apply now. The website will then tell you if you're pre-approved. Amex USUALLY doesn't hard pull when you already have an account with them, pre-approved or not.
[2/2019]
@jdbkiang wrote:
@Brian_Earl_Spilner wrote:
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
What about the amex everydays? And won't there be another hp if there's no pre-approval?
The first thing I'd do is to check for pre-approval. Simply log-in, go to cards, and click apply now. The website will then tell you if you're pre-approved. Amex USUALLY doesn't hard pull when you already have an account with them, pre-approved or not.
Yeah, if pre-approved there's no HP, but I thought it was a SP for "expand your membership", then a HP to confirm the report hasn't changed?
@Brian_Earl_Spilner wrote:
@jdbkiang wrote:
@Brian_Earl_Spilner wrote:
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
What about the amex everydays? And won't there be another hp if there's no pre-approval?
The first thing I'd do is to check for pre-approval. Simply log-in, go to cards, and click apply now. The website will then tell you if you're pre-approved. Amex USUALLY doesn't hard pull when you already have an account with them, pre-approved or not.
Yeah, if pre-approved there's no HP, but I thought it was a SP for "expand your membership", then a HP to confirm the report hasn't changed?
No. Typically, it's an SP either way. Pre-approved or not. Some apply through incognito mode and have to fill out their info manually. Still SP.
I'm not saying there's a hard rule, but it's happened often enough that you can expect it. I'd be surprised to Amex do an HP on me unless I had a unique profile.
Also just wanted to add—their pre approval system is kind of glitchy. Or at least it was for me. I checked if I was pre-approved in my account for the Gold card, and I wasn’t. In fact, I was pre approved for every single card that WASN’T a charge card. Then I checked incognito, and the ONLY card it showed me bring pre qualified for the gold card with the 50K bonus.
@Anonymous wrote:I have had the Delta Amex Gold card for 2 months now. I checked the pre-approval page and it shows me pre-approved for the new Amex Gold. Should I wait another 30 days or if it shows that I am pre-approved does that mean my odds are good to apply now?
2 months between apps should be fine.
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
I applied the same day I made this post and was denied. They stated that my account wasn't eligible since I opened an account with them recently. This is my first AMEX card and they only gave me a $500 limit, so I'll probably have to wait quite a while. It's not like I NEED the card, but the rewards are very appealing.
@Anonymous wrote:
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
The OP applied for the BCP yesterday and got an instant denial. If you look at her signature her current Amex has a $500 credit limit so she is in Amex's version of "credit steps." That means it is very unlikely that they will approve her for another credit card for the next few months.
I've been told I might be in their version of credit steps, but people who were put into that usually received an email or letter stating they were. I never received any such email. Not saying it's impossible, but maybe I should call them and ask?
@Brian_Earl_Spilner wrote:
@Anonymous wrote:Apply today. The BCE and BCP should have the same qualifications. So if they approve you for one they should approve you for the other. I got my first 4 Amex cards in a 2 month period. 2 Charge and 2 Credit cards. You can only get 2 credit cards in 90 days. But since you only have one you can get another fine today.
What about the amex everydays? And won't there be another hp if there's no pre-approval?
Not necessarily. It wasn’t a hard pull on my credit when I applied. I knew that going in, so I didn’t mind trying.