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AMEX app question....

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workingprogress
Regular Contributor

AMEX app question....

I went for the Blue cash everyday and got instant approval $2000. This was at about 9 pm tonight. If i app for another Amex revolver will it be another hard pull since it is now 1 am ?

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Message 1 of 12
11 REPLIES 11
workingprogress
Regular Contributor

Re: AMEX app question....

Edit: I think i'm going to hold off on apping for a second card with them. I gotr the card that I wanted the most. Araid it may be another hard pull now that I have waited a few hours since my first app.

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Message 2 of 12
creditguy
Valued Contributor

Re: AMEX app question....

Many people have apped for and been approved for more than one Amex on the same day but the results of a HP can vary. Keep in mind Amex cardholders can app for another card and if declined it's a SP if approved its a HP. I would lean towards another HP but ymmv.
Message 3 of 12
creditguy
Valued Contributor

Re: AMEX app question....

By the way Congrats on your BCE approval.
Message 4 of 12
Discover2016
Valued Contributor

Re: AMEX app question....

People have reported getting two cards with one pull for Amex, but there is no guarantee that it will be a single pull, always assume you'll get two.

Gardening until September 2025
Next app: Mortgage in September 2025
Message 5 of 12
workingprogress
Regular Contributor

Re: AMEX app question....

Thanks guys...I think I'm going to hold off. I got the card that i wanted the most. thanks for the help my friends.

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Message 6 of 12
Anonymous
Not applicable

Re: AMEX app question....

I was able to find this information online:


10. If you apply for multiple American Express cards the hard inquiries will be combined. As long as all of your applications are approved on the same day, multiple hard inquiries will be combined into a single inquiry. The catch is that you can only apply for one credit card per day, so you’ll need to add in charge cards to be successful doing this tactic. It’s possible to mix applications for both business & personal cards as well.

16. You can have a maximum of four American Express credit cards at one time. This only applies to credit cards issued by American Express and only credit cards (e.g you can have as many charge cards as you like).


 

 

The only problem is we don't know when or what Amex considers a day; Could be 24 hours since last application approval, could be 12am EST or PST, or another preset time that could change.

Message 7 of 12
workingprogress
Regular Contributor

Re: AMEX app question....



 

 

The only problem is we don't know when or what Amex considers a day; Could be 24 hours since last application approval, could be 12am EST or PST, or another preset time that could change.


Thats what worries me. I'm thinking since its now Wednesday they may count it as a new day.

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Message 8 of 12
OmarGB9
Community Leader
Super Contributor

Re: AMEX app question....

While some people do get away with two cards for one pull, it only works with one revolver and one charge card, not two revolvers. Plus even then, it's never guaranteed.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 9 of 12
Anonymous
Not applicable

Re: AMEX app question....

I would wait right now.  Give it a month so your HP's are a bit apart if you really want another Amex.  I did 2, then 2 more 15 months apart.  I know I would have messed up the 3x'x cli's and you know I still did.   Smiley Wink 

Message 10 of 12
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