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 » Mon Jul 16, 2012 12:41 pm

This isn't on the topic of Amex but I figured you might find it interesting - I checked my fiancee's CreditKarma, the score was a 510, as I mentioned lots of derogs 44% payments on time, etc. I checked the "find savings for me" (new cards) button and of course it had no suggestions (I mean what can you say) and there was an ad that said "Protect your identity" and I was thinking if this was my profile I really wouldn't be too terribly worried about that....that's like saying put in a sprinkler system after the house burns down.

We live in a community property state where you marry the debts so she's going to declare bankruptcy before we marry. Not much choice really as she's got a 171,000 mortgage with no hope of paying it. And I don't want them coming after me for it, and they legally could if we marry with that on her record. I'm just lucky she was honest with me upfront about it, or it would have destroyed my credit and probably my future income for 20 or more years as well once they got a judgement on me.

You really have to watch things like this or they won't hesitate to use the legal system to get money out of innocent people who had nothing to do with it, I know that perfectly well. So she's gonna have to BK them before we marry and that will be that.


MemberSince99
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Postby MemberSince99 » Mon Jul 16, 2012 2:11 pm

And you might be thinking well why don't you pay it and get the house.

It's in another state where she lived before moving to get away from the violent ex BF who is still living there until they foreclose on it apparently. He has no job, so he's just gonna ride it out as long as he can and move back to mommy's basement when they finally get him out of there.

Besides that, it just ain't my debt. I had nothing to do with it. And I can't say I'd like to take that on in any case. I'm happy seeing to it that it never becomes my debt. No more reason I should pay someone else's mortgage than they should have to make my car payment.

But I probably am WAY overthinking this. Common sense would be an answer enough! So I apologize if I'm over analyzing this!

MemberSince99
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Postby MemberSince99 » Mon Jul 16, 2012 4:11 pm

I just checked the status of the application and it was changed from Declined to In Progress. Gotta give Amex this - they are prompt about updating it.

MemberSince99
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Postby MemberSince99 » Mon Jul 16, 2012 7:28 pm

Man, I was just reading on another board where someone used the "Check your spending ability" button which triggered FR. I'm wondering if the button shouldn't read "Please FR me". I mean why put it there if you don't want people to use it? When you have a supposed NPSL card (which we all know it has a limit but you just don't know it) isn't it prudent to want to know if your purchase would be approved BEFORE you go and try to buy something with it?
I really don't see why using that button should trigger FR. The person in question said they used the button then made a higher amount than usual purchase right after. That's all it took. I really don't see the threat to credit to be honest in doing that. The purchase amount was supposedly 1600 which for a NPSL card shouldn't be a big deal.

When I read this stuff all I can say is I'm glad Amex isn't the only game in town.

Ratfacedudeguy
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Postby Ratfacedudeguy » Tue Jul 17, 2012 1:12 pm

Just got thrown for a loop. After my Gold card app was sitting in progress for 2 days, all of a sudden it has come up cancelled due to duplicate account type. I'm wondering why that would be the case since my last approved app was for a Zync which they supposedly classify as a "different type" of charge card, or so I've heard. This is the second piece of evidence I have gotten that disproves this assertion, so from an application standpoint I think it's safe to say that the Zync is not considered a different "type" of charge card.
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

MemberSince99
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Postby MemberSince99 » Tue Jul 17, 2012 3:21 pm

I guess that makes sense, it's just different in that it's kind of its own animal but in the end it's still a charge card.

My app still says "In Progress".

Maybe this is a crazy thought, but I wonder if Amex just ASSUMED they cancelled my accounts because the assumption was no one would do that? Surely you'd think they would have noted "closed by customer request" or something like every other creditor I've dealt with has done.

Possibly what set that off is when I called asking to reinstate the Zync card, the CSR said Amex was refunding my annual fees I'd paid on the Zync - the 25 dollar fee plus 15 dollars for a pack. I didn't think anything of it, but maybe as a result of that Amex considered that they had cancelled the account.

Or maybe I just way over think this stuff. I don't know. Doesn't make a lot of sense with the info I have. And since I can't see theirs all I can do is guess.

bmw1990Z
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Postby bmw1990Z » Tue Jul 17, 2012 3:33 pm

MemberSince99 wrote:I guess that makes sense, it's just different in that it's kind of its own animal but in the end it's still a charge card.

My app still says "In Progress".

Maybe this is a crazy thought, but I wonder if Amex just ASSUMED they cancelled my accounts because the assumption was no one would do that? Surely you'd think they would have noted "closed by customer request" or something like every other creditor I've dealt with has done.

Possibly what set that off is when I called asking to reinstate the Zync card, the CSR said Amex was refunding my annual fees I'd paid on the Zync - the 25 dollar fee plus 15 dollars for a pack. I didn't think anything of it, but maybe as a result of that Amex considered that they had cancelled the account.

Or maybe I just way over think this stuff. I don't know. Doesn't make a lot of sense with the info I have. And since I can't see theirs all I can do is guess.


I'm confused, I thought you were done with Amex
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

MemberSince99
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Postby MemberSince99 » Tue Jul 17, 2012 3:38 pm

I probably am, depends on if they decline me.

I had thought about it later, and realized that while I don't see them being my "go to" card anymore, it was rash to close all 3 accounts. They would not reinstate any of them. I was going to apply for Zync just to have an Amex, their CreditSecure monitoring, and for the backdating, but then I realized that the Gold Delta Skymiles is something I could actually use so I applied for that.

In other words I changed my mind. But it's not really entirely up to me. I'm cool if they don't want me as a customer, all they gotta do is say so. I've got more great cards than I really need as it is but I do have valid reasons why I would like the cards I mentioned. Sorry if I caused you confusion sometimes I confuse myself honestly.

MemberSince99
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Postby MemberSince99 » Tue Jul 17, 2012 4:57 pm

I apologize for my curiousity and trying to ride the bleeding edge but if you don't know what the limits truly are, I guess then my thought is why not find them. I mean I don't walk up to the desk seargent in the police station and ask where they keep the guns and drugs, but in credit terms it is pretty close.

I was curious about this, so I called to check the status. Turns out it's been forwarded to the executive team for review.

I asked if there is anything keeping me from getting an Amex in the future, he said this didn't necessarily apply to me but they apparently have a couple of systems there that approve cards. If you have a charge off in one of them then it may catch that. That was news to me but I wanted to share it in case it is of use to someone. I never paid my charge offs but they gave me 3 cards anyway, then declined me saying I had a delinquent Plat card. As stated I've never had a Plat, nor was there any recent issues with my credit, but they may have confused the old charge off for this, I don't know.

Maybe that explains some of it. I don't know but I hope in sharing what I learn at least we can maybe learn things about this process and be better for it.

Seems there is always something new to learn.

MemberSince99
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Postby MemberSince99 » Wed Jul 18, 2012 12:43 pm

Latest update: I called today to inquire as to the status, as it is showing pending. This time I was told that what I should do is ask to have the old accounts removed from my record. I'm not sure why closing accounts in good standing would be a negative, to be honest, just relating this is what I was told. I was told once I did this, that it would clear blocks to my getting other cards.

As I'm relating this, I'm nott sure if this is a general thing or just me and my circumstances. Probably most people don't close their cards then a month later apply for another one. But I can't see why that would be considered a negative either since I used them plenty and paid in full and on time.

Anyway just relating what I was told, for any who are curious or for that matter who have any insight. I'm more than anything just curious to see how it turns out at this point. No harm no foul if they reject it, but I'd really like to know an honest reason of why, which hopefully isn't asking too much. Even if it's "we think you are a kook who changes his mind too much for our tastes" I'd find the honesty refreshing!



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