Question regarding Apping for new Amex Card...

[CreditCuriosity]

So question for you all that know Amex better then me..

Currently have had the Delta for about 29-30 days.. Anyways got a low limit on it as expected as Experian was borderline approval for it.  Anyways, my CSP reported and boosted my scores by 15ish points and thinking about applying for the ED or BCE for a BETTER credit line plus MORE BACKDATING of 25 years..  

My question is I know it will be a SP and if approved it will be a HP if logged into my account...  Will they do a fresh SP and see my CSP and updated Credit score or will they see the most recent SP they did on me a few weeks ago?  The reason I ask if they don't do a fresh SP I will wait until I see them do it before applying.. If they do a SP from my report today for an application that reflects better credit/score/etc I will do it now.  

Thanks all..

Between ED and BCE btw.

[ojefferyo]

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@CreditCuriousity wrote:

So question for you all that know Amex better then me..

Currently have had the Delta for about 29-30 days.. Anyways got a low limit on it as expected as Experian was borderline approval for it.  Anyways, my CSP reported and boosted my scores by 15ish points and thinking about applying for the ED or BCE for a BETTER credit line plus MORE BACKDATING of 25 years..  

My question is I know it will be a SP and if approved it will be a HP if logged into my account...  Will they do a fresh SP and see my CSP and updated Credit score or will they see the most recent SP they did on me a few weeks ago?  The reason I ask if they don't do a fresh SP I will wait until I see them do it before applying.. If they do a SP from my report today for an application that reflects better credit/score/etc I will do it now.  

Thanks all..

Between ED and BCE btw.

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They will not do a fresh SP, they will approve or deny based on that SP and if approved they will run the HP to be sure it's current. 

[chalupaman]

I'd wait until Amex has done another SP on your EX report and then go for it.

[CreditCuriosity]

Hmmm conflicting reports .. .Obviously this could make a difference betwen a 1k or possibly 5k SL

[Yodah]

Well for me..., I just checked my experian and because I recently was denied a CLI by AMEX I saw that they did a SP on the 12/24 (cli)  and a NEW SP on 01/06 along with a HP on 01/06 for my BCE approval. 

So, they infact did a new SP and HP for approval.  

Hope that helps....

[chalupaman]

In that case, go for it, CC! Good luck.

[CreditCuriosity]

Oh why did you have to tell me this.. What was Approved amt and Exp score if you don't mind telling me?   I want at least 3k-4k to make it worth my time...  I have ran through 800ish through my AMEX delta in about 24 days.. Trying to meet to spending requirements AMEX/CSP is rough lol.. gotta share the love

[CreditCuriosity]

Whats the worse that can happen a decline on a SP....  or I guess a 1k limit  ... hmmm, weighing options.  Want to get the best bang for buck on 3x CLI so hoping for a card with a bigger SL and  do the 3x on that.....choices

[Yodah]

I will add that the routine SP that they do for me has shown up as  (American Express 2), While this new SP shows up as (American Express), just like the HP's for both cards show

[Anonymous]

😛Stop being a coward.  Just apply .  If the CL is low, you know it will get bigger soon.