Discussion Thread - June 26, 2019

Applied for P2's 5th Amex CC today (a "business"). After applying, got a "pending" webpage, then email 1 minute later 'We've Finished Processing Your Application" (not approval email).

Online Application Check only shows "Canceled", while "full decision details" gives the error "Sorry, your application cannot be accessed. Please try again later" (after entering consent for electronic delivery and birthday).

Latest Applications:

  • Credit - 6/26 - Biz Delta Reserve (91 days after 3/27)
  • Charge - 6/13 - Biz Green
  • Charge - 5/28 - Biz Gold
  • Charge - 5/28 - Biz Plat
  • Credit Limit Increase - 5/17
  • Credit - 5/01 - Biz Delta Gold
  • Credit - 3/27 - Biz Marriott

Called recon, she said (incorrectly IMO) that I needed to wait 90 day after the Biz Gold CHARGE card. I politely agreed and HU.

My hypothesis is the credit limit increase on 5/17 counted as a "credit card application"...and I need to wait 90 days after the last CC app on 5/01. If other DP's exist that credit limit increases impact 2/90, should update the wiki.

/r/churning Thread