Misc Credit Card Questions

[sammy n]

Called and they said the system puts it on hold for five days. because application was submitted together with another card. What's the protocol now? Wait? HUCA?

Wait.

[moshewoodmere01]

Called and they said the system puts it on hold for five days. because application was submitted together with another card. What's the protocol now? Wait? HUCA?

These days you gotta wait. not necessarily five days IME so call every day
next time do 1 biz 1 per to get them on 1 day

[Mendelssohn]

Called and they said the system puts it on hold for five days. because application was submitted together with another card. What's the protocol now? Wait? HUCA?

That's normal when you apply for 2 Amex revolvers on the same day.  IME you typically wait 3 days.  Expect a second HP.

[benjie1305]

That's normal when you apply for 2 Amex revolvers on the same day.  IME you typically wait 3 days.  Expect a second HP.

It can still get done same day.

[Mendelssohn]

It can still get done same day.

It's rare.  3 days wait is typical.

[jlreamz1]

Hey everybody I have two Amex cards coming up for the yearly annual fee
1st one is Business Gold Card, and the 2nd is the Starwood Business.
I have had both these cards before as personal cards over a year ago, so I'm trying to figure out if I should...
1. call up Amex and try to get the yearly fee waived.
2. apply for the personal cards again.
3. apply for different card and transfer the credit (for the starwood credit card).

Please take into consideration that im kind of a newb

Any help, direction, or advise would be greatly appreciated.

Thank you

[Mendelssohn]

Hey everybody I have two Amex cards coming up for the yearly annual fee
1st one is Business Gold Card, and the 2nd is the Starwood Business.
I have had both these cards before as personal cards over a year ago, so I'm trying to figure out if I should...
1. call up Amex and try to get the yearly fee waived.
2. apply for the personal cards again.
3. apply for different card and transfer the credit (for the starwood credit card).

Please take into consideration that im kind of a newb

Any help, direction, or advise would be greatly appreciated.

Thank you

Keep in mind that you can only get the bonus on Amex cards, personal and business, once per lifetime now.

[Emkay]

Hey everybody I have two Amex cards coming up for the yearly annual fee
1st one is Business Gold Card, and the 2nd is the Starwood Business.
I have had both these cards before as personal cards over a year ago, so I'm trying to figure out if I should...
1. call up Amex and try to get the yearly fee waived.
2. apply for the personal cards again.
3. apply for different card and transfer the credit (for the starwood credit card).

Please take into consideration that im kind of a newb

Any help, direction, or advise would be greatly appreciated.

Thank you

First step should be to try to get the fee waived is a retention offer. Also the personnel is once per lifetime so you won't get the bonus again.

[jlreamz1]

First step should be to try to get the fee waived is a retention offer. Also the personnel is once per lifetime so you won't get the bonus again.

First off thank you guys for the help.
So I could I make a business business card (different business name ) and still get the bonus?
Also do you recommend keeping the any of these cards if even if do need pay the annual fee?

[yochiek93]

First off thank you guys for the help.
So I could I make a business business card (different business name ) and still get the bonus?
Also do you recommend keeping the any of these cards if even if do need pay the annual fee?

No it goes by SSN
That all depends on how you use them

[eliraps]

That's normal when you apply for 2 Amex revolvers on the same day.  IME you typically wait 3 days.  Expect a second HP.

HP can be combined. No?

[Mendelssohn]

HP can be combined. No?

No, because the second pull will be on a different day.

It's only combined if you can get the other card approved the same day.

[David Smith]

HP can be combined. No?

Yes, it can be.

[Mendelssohn]

Yes, it can be.

-1

Not if you get another HP 3 days later, which is what happens if it is not approved the same day.

[bermo]

-1

Not if you get another HP 3 days later, which is what happens if it is not approved the same day.

-1
How do you know it doesn't work?
Did you try?

[Mendelssohn]

-1
How do you know it doesn't work?
Did you try?

-1

Because that's how it works.

If you are using other methods to get the second inquiry deleted, that is not combining inquiries.  Don't misrepresent what happens.

[bermo]

-1

Because that's how it works.

-1 because you never tried to merge two pulls...

[Mendelssohn]

-1 because you never tried to merge two pulls...

-1

I know more about the credit side of this game than you probably think. 

[bermo]

-1

Because that's how it works.

If you are using other methods to get the second inquiry deleted, that is not combining inquiries.  Don't misrepresent what happens.

Combined means putting two thing together

[David Smith]

-1

I know more about the credit side of this game than you probably think.

+10000000