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My main problem is you applied for another AMEX card after you barely got approved for the first one.... you hsould have used your Delta AMEX for 6 months or so before you app'd for the second one.
the only way it is beneficial to app for two on the same day is if the first is an instant approval and you're looking to get two cards with one HP.
@ryanbush wrote:My main problem is you applied for another AMEX card after you barely got approved for the first one.... you hsould have used your Delta AMEX for 6 months or so before you app'd for the second one.
the only way it is beneficial to app for two on the same day is if the first is an instant approval and you're looking to get two cards with one HP.
+1 to BOLDED PART. OP shouldn't have app again right away if not approved right away. Example of seeing advice for others and not understanding what is really going on. OP didn't have to wait 6 months. Could have just waited till AMEX SPed as customer (probably within month or 2). At that point, app for BCE and SP for denial and HP for approval. But 6 month usage is good rule of thumb for borderline candidates.
Sounds like a hot mess with AMEX however. OP didn't do themselves any favors however. This is an example of too much intervention on OP's part actually making things worse, not better. The problem with the PIN and resulting issues was primarily caused by OP getting nervous and freezing his file in middle of application process. The various calls to various groups in AMEX has multiple people working on same issue and complicating further.
Finally, people should expect the possibility of additional HP when recon even if CS says it won't happen. A lot of the stuff is happening in the background via automated process. When you imply or directly say your credit file has changed, the analyst or whoever can easily ask for updated credit report which usually means another HP.
@wHiTeSoL wrote:
"My main problem is you applied for another AMEX card after you barely got approved for the first one.... you hsould have used your Delta AMEX for 6 months or so before you app'd for the second one.
the only way it is beneficial to app for two on the same day is if the first is an instant approval and you're looking to get two cards with one HP."
In hindsight I should of waited, I misread some of the advice on this board, however I think it's insane all the hoops I have to jump through now for them not to give me an answer. A simple "no" would of saved me time, energy and stress. I would of left it alone had they not decided to use an old report instead of the current one they pulled just days before.
You live and you learn, the good thing is you are in with AMEX. Use this card heavily and PIF, get your 61 day increase then you're 6 month increase and you could potentially be at 18k CL
At that point I would apply for another card, since you can only increase the CL on one account every 6 months it would suck to app and be approved for another card at 2k that would grow slowly.
I feel your pain, and i have been there. I know how much I resented every HP that did not absolutely have to be there when my score was still in its early rebuilding stages and highly vulnerable to the slightest bit of new data.
Just bear in mind as things proceed that they would have been well within their rights to hard-pull all 3 agencies for both of your applications.
The fact that Amex reuses recent HPs by custom does not constitute an entitlement to them doing so. It is a courtesy they choose to extend.
Do your best when dealing with them to balance that frustration with the understanding that they haven't violated the terms of any contract they had with you. They were never obligated to use only X number of pulls. All they did is forget to give you a gift they usually give, most of the time.
And remember that whatever one person you are talking to at any given time is not the one who is "making it difficult". The difficulty is largely in the fact that they are a big, complex company. Probably some of their systems are not as connected to one another as you might think. Probably some departments don't communicate well with one another because of how the company is organized. Et cetera. I work for a company that seems on the surface to be one brand but under the hood is a patchwork of several brands, so I know from experience how these things can happen.
Try imagining that the person you are talking to is one sane person in an insane system, is a nice person with a family and a friendly dog or cat. Because in truth, that's probably who they are.
Best wishes, and I hope it all gets sorted out to your satisfaction!