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Amex Instant decision
Comments
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No it's credit0
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BugsyBrowne wrote: »Other lenders wouldn't know you had an Amex if you got approved
How is that? New lenders will see all the credit cards reporting to your credit file. Are you saying AMEX don't report their cards?
To the OP, do you have any other credit cards?0 -
How is that? New lenders will see all the credit cards reporting to your credit file. Are you saying AMEX don't report their cards?
To the OP, do you have any other credit cards?
Yes but it will be down has credit card account not Amex credit card.
Other lenders won't know you have a barclaycard neither when it hits your credit files.0 -
Don't they only do instant decision on weekdays between 8-8 or something?0
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BugsyBrowne wrote: »Yes but it will be down has credit card account not Amex credit card.
Other lenders won't know you have a barclaycard neither when it hits your credit files.
My apologies, well said. New lenders don't see the names of the financial institutions on your file.
What about when searches are performed? Do new lenders simply see a search for a credit card rather than a search for an American Express credit card?0 -
My apologies, well said. New lenders don't see the names of the financial institutions on your file.
What about when searches are performed? Do new lenders simply see a search for a credit card rather than a search for an American Express credit card?
Just a credit search not the name of the company you've applied for.0 -
billbennett wrote: »Don't they only do instant decision on weekdays between 8-8 or something?
That is correct for Amex.
If they have a lot of applications it won't work instantly either.0 -
I see how it works, Well I know I most likely won't get it anyway but the thread has definitely helped me understand the application and checking process!
Thanks everyone
(Jake Green- I have 2, but I've only just got them)0 -
billbennett wrote: »Don't they only do instant decision on weekdays between 8-8 or something?
Not really, I received an instant acceptance on a Sunday.0
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