Amex HPs but new applications PENDING?!?

[Anonymous]

I already have two Amex cards. I apped for two more the other day, which still show pending on the status check site, but there were two separate HPs on Experian today. Does that mean I'm likely to be approved, since they'd be SPs otherwise?

Or are they just telling me to get in the garden or else? Haha...

[1GaDawg85]

Technically, you have 1 AmEX card....Business is separate from personal

[Anonymous]

Well, that's a good point. Although they gave me a business platinum, which I've ran $100k through in the last two months, I did only get a personal Hilton Amex with only a $1000 limit (that only just 3x CLI to $3000). Maybe my personal isn't strong enough with them yet.

But still, the question being - I thought Amex only HPs you when they approve you for a new card? Aren't all CLIs and denied new applications all SPs?

[Anonymous]

Not trying to be a jerk, but whenever my apps with AMEX or any other bank go pending I just call. In my experience so far they almost always are just awaiting some sort of verification. I call and say " I was just calling to see if you need any more information before extending my approval?" (assumption on approval, always closing if your a salesman). Everytime they just ask a few questions and then get your your approval right away. Since you're already on the line you can find out APR and CL, plus since you already have an AMEX they will express ship your card for free. Basically I'm saying call them, then you don't have to wonder.

[taxi818]

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@Anonymous wrote:

Not trying to be a jerk, but whenever my apps with AMEX or any other bank go pending I just call. In my experience so far they almost always are just awaiting some sort of verification. I call and say " I was just calling to see if you need any more information before extending my approval?" (assumption on approval, always closing if your a salesman). Everytime they just ask a few questions and then get your your approval right away. Since you're already on the line you can find out APR and CL, plus since you already have an AMEX they will express ship your card for free. Basically I'm saying call them, then you don't have to wonder.

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+1 but valid question op. since you have the hps it may appear you are approved since you are already card holder. get back with us as follow up. if denied. how will they change it to sp. great question.

[Anonymous]

So we're in agreement that it'd be SP if not approved as a current Amex holder?

Does anyone have any evidence in the contrary?

[taxi818]

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@Anonymous wrote:

So we're in agreement that it'd be SP if not approved as a current Amex holder?

Does anyone have any evidence in the contrary?

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This is standard procedure with Amex. there is no evidence that they don't. you know anything can happen. but im kinda in your camp that you are probably approved. you havent called yet to find out?. i would take the drama right out of it and find out. i don't think they can resind the hard pulls but maybe they can. was it just 1 card you apped for?. i hope so. i think you will be find. most of us don't even look at pending page. at least i never did. since both my amex cards were instant approvals. i did 1. then waited 2 days and did the other. no problem with either. good luck.

[Membersince2013]

The fact that the HP you and you already have an Amex card usually means you've been approved.

[Anonymous]

It still shows pending... And it was two I applied for... SPG and Delta Gold... But I have the hard pulls to show for it...

[Anonymous]

We'll see...