Author Topic: Un-do a new AMEX credit card application?  (Read 737 times)

Offline TC610

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Un-do a new AMEX credit card application?
« on: April 23, 2018, 03:13:50 PM »
Hi Everyone,
I saw Dan's post last week about the SPG cards losing their new card member 25k bonus.  I applied several hours before the supposed 11:59pm deadline and was excited to get approved.  The problem is that I signed up for the wrong SPG card; I meant to apply for the business card.  This would be by 5th card in 24 months and that will likely keep me from getting approved for any new Chase UR-earning cards for 8 or 9 months.  I don't want this card any more.  Is it possible to cancel this card and not have it reported to the bureaus?  Yeah, my mistake, I know, I just might have to deal with it for the next 9 months.

Offline davidrotts63

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Re: Un-do a new AMEX credit card application?
« Reply #1 on: April 23, 2018, 03:15:40 PM »
Hi Everyone,
I saw Dan's post last week about the SPG cards losing their new card member 25k bonus.  I applied several hours before the supposed 11:59pm deadline and was excited to get approved.  The problem is that I signed up for the wrong SPG card; I meant to apply for the business card.  This would be by 5th card in 24 months and that will likely keep me from getting approved for any new Chase UR-earning cards for 8 or 9 months.  I don't want this card any more.  Is it possible to cancel this card and not have it reported to the bureaus?  Yeah, my mistake, I know, I just might have to deal with it for the next 9 months.
Amex will take about 2 months to report. So apply during that time.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

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Re: Un-do a new AMEX credit card application?
« Reply #2 on: April 23, 2018, 03:19:55 PM »
Amex will take about 2 months to report. So apply during that time.
source?
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Offline davidrotts63

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Re: Un-do a new AMEX credit card application?
« Reply #3 on: April 23, 2018, 03:27:45 PM »
source?
Literally everywhere.
Do you have an Amex? If yes, you should know.
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Offline TC610

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Re: Un-do a new AMEX credit card application?
« Reply #4 on: April 23, 2018, 03:28:16 PM »
Amex will take about 2 months to report. So apply during that time.

I won't be eligible for a UR-earning card bonus for about 4 months.

Offline mmgfarb

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Re: Un-do a new AMEX credit card application?
« Reply #5 on: April 23, 2018, 06:32:27 PM »
I won't be eligible for a UR-earning card bonus for about 4 months.
There's nothing you can do at this point.
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Re: Un-do a new AMEX credit card application?
« Reply #6 on: April 23, 2018, 07:59:06 PM »
Funny, this just happened to a friend who knows little about credit cards. He applied and was approved for the AMEX Platinum Personal. He called and said he did it by mistake, and he claims that they just canceled the application. I would imagine the hard pull is irreversible.

Offline mmgfarb

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Re: Un-do a new AMEX credit card application?
« Reply #7 on: April 23, 2018, 08:02:20 PM »
Funny, this just happened to a friend who knows little about credit cards. He applied and was approved for the AMEX Platinum Personal. He called and said he did it by mistake, and he claims that they just canceled the application. I would imagine the hard pull is irreversible.
More likely that they just canceled the card and it will still report to the CB's.
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Offline ChaimMoskowitz

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Re: Un-do a new AMEX credit card application?
« Reply #8 on: April 23, 2018, 08:09:16 PM »
They can remove it if they so choose. Also it takes time for it to report so maybe it is easy if it is not reported yet.
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