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Amex cancelled application

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webhopper
Moderator Emeritus

Re: Amex cancelled application


@rlx01 wrote:

IMHO, you should have applied for the Green first, then the Gold Delta if Green was approved.


Hi,

 

If your first application was denied, then you must wait 30 days before reapplying for any Amex card.  For example, if you app for Gold tomorrow, the application will be cancelled because 30 days have not passed.

FICO 8:
Goal: Gardening!
Message 11 of 14
Repo-ed
Senior Contributor

Re: Amex cancelled application

Where are you getting your scores from?

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 12 of 14
rlx01
Established Contributor

Re: Amex cancelled application


@webhopper wrote:

@rlx01 wrote:

IMHO, you should have applied for the Green first, then the Gold Delta if Green was approved.


Hi,

 

If your first application was denied, then you must wait 30 days before reapplying for any Amex card.  For example, if you app for Gold tomorrow, the application will be cancelled because 30 days have not passed.


I'm aware of that. But it's generally easier to get approved for a charge card (i.e., unlikely to get approved for a revolver if they wouldn't approve you for a charge). Then he could have (if accepted for green) app'ed straight away for the Delta for 1HP/2cards or SP for a denial. Smiley Happy

Message 13 of 14
improvingmycredit
Valued Contributor

Re: Amex cancelled application

+1 @ Webhopper!
You can apply for as many Amex cards as you want till you are denied. (Don't recommend this) once you receive a denial, all subsequent apps are kicked out and no apps allowed for 30 days. This is the reason many recommend apping the charge product first then the revolver. The charge cards have lower underwriting requirements for approval and higher likelihood of approval over the revolver. Hope this helps. Smiley Happy

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 14 of 14
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