Amex Card Application Rules - How Many Is Too Many?

Chapters
0:00 Hey
0:39 Rules
1:12 1 in 5
1:49 2 in 90
3:02 Why?
3:28 Card Limits
5:30 Once Per Lifetime
7:49 Marriott
9:07 Hilton
9:38 RAT
10:10 Pop Up Jail
12:21 Bye

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[johnhowarth]

Great video! I was actually approved for 2 new business cards in 2 days. I got approved for the delta business reserve and then 2 days later I got approved for the blue business plus card.

[JohnnyK]

"The phone reps might not know..." brings up the acronym HUACA: hang up and call again. 😉

[shawn.credit]

I have quite a list with them haha, I love how the charge card apps slide right through and don't count against the 2/90 rule! I grabbed the Amex Platinum card a few days ago, Chase and C1 won't touch me for quite some time Amex was the obvious premium travel card for me!

[SpencerJohnsonOfficial]

Loving these kind of breakdowns. I can imagine these will be some that stay evergreen and I can come back to when I need them in the future. In general, I think it would be hard for me to get too many Amex cards, mostly because I don't have the money to pay for too many annual fees lol.

[nubianpwr]

Chase is just more straight fwd than Amex, and the "Freedom" line is more apropos when it comes to Chase as opposed to Amex. When a bank starts to dictate how much spend to put on their cards...our $$ is no longer our $$. Good stuff RJ👍🏾

[arnopetersoneshotbbq]

I got 4 cards in two days back in May. Two business and two personal. Business Gold, Business Green, Hilton Honors and Delta Platinum.

[thejokerspeaks]

5 Credit Cards and 10 Charge Cards seem like plenty. BTW, Capital One has finally released a business version of the Venture X! Now I can just product change Spark Miles.

[jeremymoore]

RJ,

You know I have to watch the video to support you. :) I have zero AMEX cards and can't get approved for them right now. Oh Well still good information to know.

[smurkio_otf]

I'm really glad u made this video man. Learning the rules from issuer to issuer really helps. Like rn I have 3 approved offers from Chase to apply for guaranteed but since my status is 5/24 I already know I'd get denied or at least why I would if I did. It's tempting but since ik these rules they help me make better financial decisions and time my applications right. Awesome video like always RJ!

[JollyJoshua]

What do you mean that they would clawback and be upset by using their credits and coupons? I find that highly disturbing. I understand that they could become suspicious and angry if you manufacture spend by buying gift cards? But but using their own coupons?

Can you elaborate please? Thanks.
It was specifically between 9:50 and 10:08 that you mentioned this

[PatrickDKing]

Would the Resy platinum card be considered the vanilla platinum card for the bonus then or is it separate?

[carlpajela]

Man. Amex credit cards are addicting lololol. I currently have 4 personal cards and 1 business card. But I don’t wanna push it too far with another personal card rn.

[patricktrossbach]

I’ve gotten 3 Amex cards (gold, plat and a Hilton card) in less than 3 months 🤷‍♂️

[Trilogysworld]

My boy always got that black shirt on lol good vids though 😂

[jimmyjames]

Thanks for the video, man! I better ramp up some spend before applying for the Hilton Aspire.

[cjjunkee]

Great video RJ!!! Is the 2/90 rule for credit card or charge card or both? How many credit cards can you cancel after/within 1 year of use from Amex and Chase? Thanks RJ!!!

[mgrotheer]

They should switch the card limits. 10 credit cards and 5 charge cards instead of how they currently have it :D

[Anthonyjones-pqff]

I applied for the Amex Delta Gold got approved $10k may30
Now can I apply for Amex Marriott Bonvoy bon card 5 or 6 day later what are my chances of approval . What do you think

[solofoto]

Thanks for the video,
In May I got the
Amex Business Marriot and
Biz Prime within 4 days.
I can apply for the BBP in Oct 2022, that’s also when I plan too upgrade my Hilton surpass, with
an offer if available.
Thx again.

[Ricocase]

Can you product change from standard platinum to Schwab?

Should we reduce credit card limits to maximize credit card approval odds at another bank?