I have read that Amex uses approx. 30 day old reports when making credit decicions. Is this only for current members, or for someone who is not or never a member? or what about if someone was an AU, but currently isn't?
Goal: Auto Lease 2020 Jeep MOAB Goal: Chase Sapphire Preferred Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Once you have an AMEX card, AMEX SP your reports on a regular basis. It is part of their risk management algorithms. It may turn out that if you ask for a CLI, or app another card with them, the last SP could be two days ago, or up to 60 days ago. That is one of the reasons for the suggestion to wait 61 days after first card to ask for CLI, because it gives their SP check time to update latest scores.
High Bal Jan 2009 $116k on $146k limits 80% Util. Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727 April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812 Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831