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AMEX 30 DAY ReAPP Question

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ccb2115
Frequent Contributor

AMEX 30 DAY ReAPP Question

Quick silly question. I know that it is recommended to wait 60 days for reapping AMEX but I feel really good about my progress on my EXP score ( should be almost identical to my current Trans and EQ scores after getting all the same info on all 3 reports...so 690ish), so I want to ReAPP after 30 days. I applied on December 23rd, was declined, and then recon'd and I guess that was done on the 27th according to the letter they sent me, though app status says the app is still from the 23rd. Should I wait reapply on the 23rd or should I wait until the 27th?


Scores: EX: 793 EQ: 804 TU: 801
Message 1 of 6
5 REPLIES 5
pizzadude
Credit Mentor

Re: AMEX 30 DAY ReAPP Question

 

What application/decision date from last month shows when you look on~line at your AMEX application status ?

 

I would try it on the 23rd ( assuming that it showing the 23rd ) , i believe that AMEX will auto~cancel your app if you apply before the end of the 30 day window......

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 6
ccb2115
Frequent Contributor

Re: AMEX 30 DAY ReAPP Question


@pizzadude wrote:

 

What application/decision date from last month shows when you look on~line at your AMEX application status ?

 

I would try it on the 23rd ( assuming that it showing the 23rd ) , i believe that AMEX will auto~cancel your app if you apply before the end of the 30 day window......


It says the 23rd. I guess I will end up waiting after the 23rd anyway so that my CC's update another month of low util%, but I just wanted to be sure just incase I get antsy. So if I apply on the 23rd and for some reason it is auto canceled, will it HP? And will I still be able to apply on the 27th? Thanks for the response! 



Scores: EX: 793 EQ: 804 TU: 801
Message 3 of 6
pizzadude
Credit Mentor

Re: AMEX 30 DAY ReAPP Question

 

IMO you should be good on the 23rd.  But if you want to be 100% certain just wait until midnight, when the clock switches to the 24th.  Smiley Wink

 

If AMEX was to cancel your app I don't think they would pull your credit, but you would be ok to try again on the 27th~ but again this is just my opinion, I don't know this with certainity....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 6
tcbofade
Super Contributor

Re: AMEX 30 DAY ReAPP Question

Not to be too silly, but what difference does a week make?

 

Wait until 01 February, and then you'll KNOW that your previous app won't affect you.

 

Smiley Happy

Fico 8 12/01/25: EX 797, EQ 798, TU 795.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 5 of 6
ccb2115
Frequent Contributor

Re: AMEX 30 DAY ReAPP Question

Well, my birthday is on the 26th, so I want to do it around then......though it could potentially ruin all birthday festivities. 



Scores: EX: 793 EQ: 804 TU: 801
Message 6 of 6
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