Neither.
Usually your account open date on Amex end for CLI purposes is a day after your approval. This is when your account is fully set up and reflecting in their system under your SSN.
With that being said they might offer your account number instantly upon approval or even report ot the bureaus that it was opened on the application day but this has been my experience.
Thanks,
OP what is your list of current cards? When did you get each?
Unless your profile has a lot of credit history you are likely to get an initial CL of $1,000 or $2,000 from AMEX. This gets you a chance to show them your payment ability. Over time, SP CLI do become available so if you want to grow a CL, AMEX is the place to do that. No other CCC allows so much control over the CLI, with only SP, as AMEX.
Unless your profile has a lot of credit history you are likely to get an initial CL of $1,000 or $2,000 from AMEX. This gets you a chance to show them your payment ability. Over time, SP CLI do become available so if you want to grow a CL, AMEX is the place to do that. No other CCC allows so much control over the CLI, with only SP, as AMEX.
Your file looks good for regular spend.
It seems to me like it will be a challenge to ramp up any lenders to the range of $40k-$50k spend, to take place in the window 60 days -120 days from now.
Given current limits, I think you may see a $2k starting limit on AMEX. That could be increased to $6k but still not going to cover you.
Even trying to use an AMEX charge card such as Gold may raise concerns if you are running charges through and paying often. It may not be an issue at all, but there have been reports of too much spend too soon raising concerns.
Are these business expenses? Are you paying them as they occur or intending to carry the amount with minimal payments until it all gets paid off in a lump?
It seems to me like it will be a challenge to ramp up any lenders to the range of $40k-$50k spend, to take place in the window 60 days -120 days from now.
Given current limits, I think you may see a $2k starting limit on AMEX. That could be increased to $6k but still not going to cover you.
Even trying to use an AMEX charge card such as Gold may raise concerns if you are running charges through and paying often. It may not be an issue at all, but there have been reports of too much spend too soon raising concerns.
Are these business expenses? Are you paying them as they occur or intending to carry the amount with minimal payments until it all gets paid off in a lump?