topic Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card in Credit Cards

2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 02:59:43 GMT

Applied and was instantly denied a couple of days ago for BCE card. Amex HP'd both EQ and EX...

I thought t would only be a SP for denial since I've had the Amex Gold for a fee months now.

Any thoughts?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:01:27 GMT

Are you an AU with the gold card?

If not, were you logged in/asked to login when you applied?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 03:02:21 GMT

It's my own card and I was logged in when I applied.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

RonDawg — Sat, 10 Nov 2012 03:03:48 GMT

Madman94044 wrote:
Applied and was instantly denied a couple of days ago for BCE card. Amex HP'd both EQ and EX...

I thought t would only be a SP for denial since I've had the Amex Gold for a fee months now.

Any thoughts?

They usually check EX before any others but they may have not liked what they say on EX and went and checked EQ after. AmEx likes to see a year with their cards before they can be upgraded as well. Their charge cards are a foot in the door but they don't carry the same weight as having their Credit Cards so you may have to wait the year before you can get the BCE card. I also heard the BCE is not one of their easier cards to get that the Delta is easier to get but that is only what I have read I don't have the Delta card so I can't tell you one way or another. I can tell you that I received the BCE card before I applied for their charge card and that they only pulled EX for me.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:05:43 GMT

Has the AMEX reported on your reports yet?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

texaspete2012 — Sat, 10 Nov 2012 03:06:45 GMT

how old is the gold?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 03:08:53 GMT

Yes, the Gold Card has been showing for a couple of months on all 3 CRs.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

texaspete2012 — Sat, 10 Nov 2012 03:14:21 GMT

From where did you select the card to app? did you get an offer, or the upgarde matrix?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 03:16:34 GMT

texaspete2012 wrote:
From where did you select the card to app? did you get an offer, or the upgarde matrix?

No offer, just app'd on website, while logged in

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

armbenderc — Sat, 10 Nov 2012 03:21:16 GMT

This doesn't add up to what I've read on here. I thought if you're a card member already, it's a SP on denied and a HP on approval.

I am planing to app in mid/end of 2013. I would like to know more.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

texaspete2012 — Sat, 10 Nov 2012 03:21:36 GMT

Just a guess here, but I think that upgrade matrix (cards available to upgrade, what features you want, etc) they might go ahaed and do the hard pull. I was always under the impression it was soft if you had been a member.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 03:23:37 GMT

armbenderc wrote:
This doesn't add up to what I've read on here. I thought if you're a card member already, it's a SP on denied and a HP on approval.

I am planing to app in mid/end of 2013. I would like to know more.

Exactly, that's why I posted this...it's contrary to what is being discussed on this site...

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

jd5189 — Sat, 10 Nov 2012 03:50:09 GMT

Yeah I'm not sure the issue. A quick call to AMEX might enlighten the situation.

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Madman94044 — Sat, 10 Nov 2012 04:00:51 GMT

I'll give them a call to see what's up

Lets us know

texaspete2012 — Sat, 10 Nov 2012 04:02:35 GMT

Lets us know

Re: Lets us know

armbenderc — Sat, 10 Nov 2012 18:40:20 GMT

Any update?

So how did you app? Logging in and apply? or did it as a new member?

Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

kwazziee — Sat, 10 Nov 2012 18:48:49 GMT

That goes to show that nothing is written in stones. I guess we all have to wait and see what they tell you. Good luck.