How does AMEX deal with inquiries?

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VisaSpeak
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How does AMEX deal with inquiries?

Postby VisaSpeak » Tue Mar 19, 2013 5:05 pm

I have 2 inquiries for the past two years. I am considering applying for Chase Freedom now and then AMEX GOLD later on since the offer just expired. Doing this will increase my inquiries up to 3. Is that a lot for AMEX?


kcarter609
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Postby kcarter609 » Tue Mar 19, 2013 6:46 pm

Can't say for sure, but I only had my BCE and CSP inquiries, and they denied me for a CLI on the BCE for too many inquiries. Will this be your first card with them? By the way, the AMEX Gold is a worthless card. Get the PRG or the Green.

Active Cards:
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VisaSpeak
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Postby VisaSpeak » Tue Mar 19, 2013 7:11 pm

yea I meant PRG. And It'd be my first card with them.

ncosky290
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Postby ncosky290 » Tue Mar 19, 2013 7:12 pm

kcarter609 wrote:Can't say for sure, but I only had my BCE and CSP inquiries, and they denied me for a CLI on the BCE for too many inquiries. Will this be your first card with them? By the way, the AMEX Gold is a worthless card. Get the PRG or the Green.


Amex doesn't do Hard Pulls for credit limit increases so I do not know how they could say to many inquires for a CLI...
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

MemberSince99
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Postby MemberSince99 » Tue Mar 19, 2013 8:32 pm

As always it's a YMMV situation. They approved me for 3 cards with over 10 inquiries. Some people report they are much stricter. It just depends. In general I doubt 2 inquires is going to be an obstacle if they want your business. Though the MyFICO crowd would say you're almost a credit terrorist for having so many and that's a MASSIVE red flag that you're about to go out and run up your cards and then declare BK.



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