How often can you apply for an American Express?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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MemberSince99
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Postby MemberSince99 » Sat Jun 02, 2012 6:35 pm

The quote that you can't apply for the same kind of card (another charge) right away just isn't true.
[ATTACH=CONFIG]86[/ATTACH]

Hopefully you can read this, but I got 3 Amexs in less than a month, including a Gold within a couple of weeks of a Zync. So, it CAN be done, whether it SHOULD be, well that's another story!


Crashem
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Postby Crashem » Sat Jun 02, 2012 8:31 pm

Apply as often you want. If denied, you need to wait 30 days before apping again. If you app same day, you might take only one hp. If you existing Amex holder and app as yourself, denials will be sp only but approvals will result in hp.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

mab631
 
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Postby mab631 » Sat Jun 02, 2012 8:37 pm

so i applied for a BC about 4-5 ago i can't apply for another card and them use the same HP they did 4-5 days can i?

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Sat Jun 02, 2012 9:32 pm

agp wrote:I'm a statistician, so math is my thing - I spent a lot of time doing math on the reward redemption system for Amex, and it just not worth that much.


That is because you haven't been privileged with that information ... yet. As many fellow Platinum card holders will attest, there are better rates and conversions for points ... once you reach Platinum status. Unfortunately, I cannot reveal those conversion rates, but I can tell you that they are a LOT better than yours.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

agp
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Postby agp » Sat Jun 02, 2012 9:35 pm

PlatinumAMEX94 wrote:That is because you haven't been privileged with that information ... yet. As many fellow Platinum card holders will attest, there are better rates and conversions for points ... once you reach Platinum status. Unfortunately, I cannot reveal those conversion rates, but I can tell you that they are a LOT better than yours.


I was talking about Green and Gold. Not Platinum. I never questioned the worthiness of the Platinum fee.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Money card
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Postby Money card » Sun Jun 03, 2012 1:53 pm

Just out of curiosity what makes you want to apply for the basic blue cash card as opposed to the Blue cash preferred?

They are both free for the first year have you thought about the blue cash preferred?

The reason the Green and the gold are around is because they started around the late 50's 1958 for the green and mid 60's for the gold.

As far as the venture card being better than the green or gold you might want to look at somethings like with the Venture card you have to have all of the Miles to use to redeem for a flight or hotel stay with the Green card what points American express owes you you can use and if your short you can pay the other part with the card. with the venture card you can't.

As far as which is an easier card to get a premium card or lending card. premium cards are less risky but because they have no interest rates there cards for higher level people to get in other words people with better credit get these types of card.

Example the maintenance guy at IBM, bounty etc they may be issued a Blue cash card but for the vice presidents who travel they may get a green card or gold based on their ability to pay there bill in full. You pay these cards in full, no interest so these cards go to people with better credit. with a blue cash card This is just a regular credit card.

If you look at the basic chase sapphire and the sapphire preferred the interest rate is different the basic has a higher rate, this card is more just for someone who wants a executive looking card without paying an annual fee.

The blue venture card somebody told me has a 13.70 interest rate while the gold venture card has 17.90 the blue and the chase sapphire preferred are for people who pay there bills in full, so they are harder to get. just like the premium cards from American express no interest rates so those cards are suppose to be harder to get.

CC Deville
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Postby CC Deville » Sun Jun 03, 2012 2:05 pm

MemberSince99 wrote:The quote that you can't apply for the same kind of card (another charge) right away just isn't true.
[ATTACH=CONFIG]86[/ATTACH]

Hopefully you can read this, but I got 3 Amexs in less than a month, including a Gold within a couple of weeks of a Zync. So, it CAN be done, whether it SHOULD be, well that's another story!


Perhaps I was not clear enough in my posting, but based on your attachment, what I quoted was correct: you were approved for Zync and PRG as well as a Blue. As I said, they treat Zync differently from the other charge cards, so your Zync didn't count against your PRG. And Blue is a revolver so that would not have been the same "type" as the Charge Cards. So, for expample, if you had applied for PRG and Platinum at the same time you should have been declined for the second one since they are the same "type" (ie Charge Card). Had you applied for Blue and Blue Sky the second one also should have been declined. Now, I do not have personal experience with this but from what I have read in other forums people have reported being declined for the second application of the same card type (Charge or Revolving) applied for at the same time (these posters also included an attachment similar to yours showing the denial-and they stated that they had called AMEX and were told as much). Zync is the one exception.

As always Your Mileage May Vary (YMMV).

Ratfacedudeguy
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Postby Ratfacedudeguy » Wed Jun 06, 2012 11:37 pm

I think I just had a YMMV moment with this. I just applied for a Zync after receiving my green card last month and having my PRG application submitted shortly thereafter denied, and the system gave me a cancellation message because of a duplicate card type. I'm going to try and call for recon citing the "different type" of the Zync as the reason, and the way I see it if I got the green, the zync should be no problem.

My next question is, since I guess this technically counts as a decline, does my 30-day waiting period to submit a new application restart from today's date, or will the original date still apply?
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

Crashem
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Postby Crashem » Thu Jun 07, 2012 5:51 am

Money card,

Evidence shows that Amex charge cards have lower credit standards than their credit cards. In fact, many believe that green, gold, plat credit standards are exactly the same. If you can get one, you can get them all. The zync is even easier to get. While I follow your reasoning on why you think Amex, in your words, preminium, cards are harder to get because there is no interest, you are missing the point. Amex preminium cards are charge cards (ie pay in full every month) which is why there is no interest. The risk is lower to Amex as you have no running balance and therefore easier to get. Amex cares most about their risk. The preminium stuff is just buying into their marketing. Do a search on web on which is easier to get, Amex charge cards or credit cards. Your reasoning around interest rates is uses incorrect facts. A credit card will have range of interest rates it charges and your credit score will determine what interest rate you pay in that range. First off, cap one venture blue has higher interst rate than cap one gold ventureone card which is opposite of what you said. why? Because its rewards are better. That is pretty typical of card issuers. Better rewards = higher interest. Both cap one cards are equally hard to get. As for your chase sapphire vs sapphire preferred, sapphire preferred is higher to get mainly around the fact that it doesnt grant small credit lines. However, the interest rates on both cards are exactly the same for given credit. Chase decided not to charge preminium for the extra points given for sapphire preferred although I guess the af might make up for that.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

bmw1990Z
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Postby bmw1990Z » Thu Jun 07, 2012 6:15 am

Just got approved for gold delta amex! Would it be a hard pull or soft pull if at sometime in the future I decide to apply for a charge card?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013



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