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I received a pre-approval for an Amex Gold Card in the mail last week and decided to accept. I was instantly approved which is great! On Friday I get an alert that I have a new CA reporting to all 3 CRA's from a CC i had about 7 years ago. The OC still shows up on my reports with a DOFD of 5/2005. Never received any info from this CA, it just showed up and TU shows it falls off 6/2012.
Has anyone else been approved for an Amex and then a new CA shows up? All my current accounts they based the approval on are in excellent standing, but I know this dropped my scores. If anyone has experience with Amex let me know!
Congrats on the Approval !!
It seems strange but I would guess that it just a coincidence ~ your new AMEX card won't be reporting to your CR for a month or two, maybe more....
I know that many times mortgage inquiries will trigger CAs to pop up....but I've never heard of a CC inquiry doing that.
I'm sure it was complete coincidence. I guess to clarify, I'm wondering if Amex takes any AA from this? We all know how picky they can be!
@Anonymous wrote:I received a pre-approval for an Amex Gold Card in the mail last week and decided to accept. I was instantly approved which is great! On Friday I get an alert that I have a new CA reporting to all 3 CRA's from a CC i had about 7 years ago. The OC still shows up on my reports with a DOFD of 5/2005. Never received any info from this CA, it just showed up and TU shows it falls off 6/2012.
Has anyone else been approved for an Amex and then a new CA shows up? All my current accounts they based the approval on are in excellent standing, but I know this dropped my scores. If anyone has experience with Amex let me know!
It's possible AMEX could do AA to your account, I would lay low and try to negotiate a PFD with this CA.
AMEX likes to keep a close eye on their cardholders. They will soft your reports a LOT.