When can I apply for another card?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Feb 29, 2012 12:41 pm

rclipper wrote:I have a Zync and PR Gold. I just got the gold card 10 months ago, I decided to upgrade to Platinum but was having trouble on the website so I contacted customer service about my problem upgrading online, the appologized for the trouble but i needed to hold on 2 more months to upgrade. So i guess the time period is a year inbetween cards.


It is 13 months to upgrade/modify an existing account. You can open new accounts whenever you like, you just may not get approved.
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darobin77
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Postby darobin77 » Wed Feb 29, 2012 8:45 pm

if you want to re-apply you shouldn't have a issue but you may have to clear your cookies, ive applied for many cards since my 1st app in NOV

samudi
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Postby samudi » Thu Mar 01, 2012 4:33 pm

Well just an update:
I applied and got approved, still not sure what is my limit, but I guess you dont have to wait that long. :cool:

BNB-RYAN
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Postby BNB-RYAN » Thu Mar 01, 2012 5:50 pm

There are MANY factors that weigh in on approvals/upgrades. I can call and upgrade/downgrade pretty much as I please, but I also spend $300k/year on my AMEX. (I have a business and put all the expenses on it).

I have also been screwed by AMEX, when I was younger, I had a $7500 card with $7200 charged to it. To increase my credit score, I paid it all off. I NEVER had a bad payment and really no negative credit. I simply had a lower score because I had maxed out all my available credit. The next day they decreased my limit to $1000. Well, now I'm virtually maxed out on all my credit again, instead of having that $7500 unused, I now had $1000 and looked overextended instantly. I called to have that reversed, they did a reconsideration and denied me for, yes, overextending my credit based on my credit score - you know, the problem they just caused.

Moral of the story? AMEX are just as scummy as anyone else when it comes to your credit and their limits. If you are in a position where you don't have a lot, don't get too carried away with it. But I would suggest it never hurts to just go after the card you want, worst case scenario they decline you, who cares.

logan|20
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Postby logan|20 » Thu Mar 01, 2012 6:01 pm

You can apply now, the worst that can happen is they will deny you, plus if you aren't approved, it will just be a soft pull, but if you are approved, then it will be a hard pull.
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samudi
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Postby samudi » Fri Mar 02, 2012 9:53 am

U missed my latest comment. I applied and got approved. Waiting to the card.

ooxs
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Postby ooxs » Fri Mar 02, 2012 8:01 pm

Congrats and happy to hear you were approved. Hopefully you will get over my assumed 2000 and the sign up bonus.

samudi
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Postby samudi » Sat Mar 03, 2012 9:55 am

Thank you! I called to check, I got 5k. Not sure how but I'm not going to argue



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