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AMEX application

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CS800
Super Contributor

AMEX application

How many cards can i apply for and just get hit one hard inq?




Message 1 of 5
4 REPLIES 4
doublespaces
Frequent Contributor

Re: AMEX application

They say it depends on how you apply, online or via phone but usually its one inquiry per product type, charge/credit but I've heard of people getting away with credit/charge app in the same day equally one hard pull... I'm intending on doing exactly that with amex in December.

Starting: EQ: 490 TU: ??? EX: ???
Current: EQ: 717 TU: 757 EX: 736 (lender)
Goal: 800+
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Message 2 of 5
dharalex
Established Contributor

Re: AMEX application

From my reading, it's variable. I just applied last week. I got one charge on the phone and one credit card online, both instant approvals with 1 EX pull. But others have had 2 pulls. I would apply when you don't have many EX pulls and can absorb 2 inq without problem. Good luck!


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Current Score: 800
Goal Score: 850

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Message 3 of 5
CS800
Super Contributor

Re: AMEX application

I think as many said, if they are both done online so then it's 1 inq in one day.




Message 4 of 5
thom02099
Valued Contributor

Re: AMEX application

I got 1 EX hard pull from 2 apps on the same day, about 1 hour apart.  Both approvals. 

Message 5 of 5
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