Applying for Amex

[Anonymous]

hi guys, i know that aplying a charge card and a revolver will result in one hard pull. But if i apply for 2 revolver at the same time, will that be one hard pull, or two hard pull?

[09Lexie]

They will cancel one of your applications. Also, applying for a charge and a revolver may not always result in 1 Hp.

[Anonymous]

oh sad to know that.

hmm.. i also know once we have an amex, and we apply for another card, we will get hard pull for approveful and soft pull for deny.

how long does it takes for this feature to kicks in

[Cageym]

A bunch of us, me included, have apped for two cards at the same time and only had one pull. What I did was app for a charge card and got instand approval. As soon as I had that I apped for a revolver and got approved for that one as well. And it was one HP. But you have to have an istant approval on at least one card for it to work, at least in my experience. I apped for a Zync (no hope of that anymore) and a Delta Gold. As always YMMV.

[Anonymous]

current i have a 7 months history, 23% uti. do i have a chance with Amex or discover?

[Dustink]

Might have a shot at a charge card. Only get the card if you need it.

[eviLution]

You'll probably be triple pulled with such short history, but it all depends on your Experian Fico Score. You'll probably be triple pulled if it's in the mid to high 600 and it'll probably be 1 pull if you're in the low 700. Correct me if I'm wrong

The AMEX PRG is in my future and I'm gardening til July til all my scores are in the 700s first to avoid the triple pull from them.

[LS2982]

I think you have a shot, I would try to lower that util below 10% tho. Good luck!!!

[eviLution]

+1 on lowering your utilization first