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Frequent Contributor
Posts: 423
Registered: ‎04-11-2016

AMEX Approval.... NO HP?!? huh?

I always thought or from what I've learned on here and with past experience with my other AMEX accounts, it's a HARD PULL if approved and SOFT PULL if declined, right? Well, apped for the Business Blue Plus but declined due to max number of revolvers allowed. No credit pull. So, I decided to get the Business Gold Rewards with 50K MR points. First, application never showed up on the online application status check. I figured it was declined due to no credit pull from Experian. It took about 5 days to get a response from AMEX that I was approved, THEN the application showed up on the online status check. It's been about 11 days, still no credit pull fom EX. I did notice I have a new FICO Score on AMEX website at the time when I apped for the Gold Rewards. All my previous AMEX cards were shipped via UPS and I'd get a notification when it's mailed and it's usually within the following day from approval. This one came in regular mail, which was fine. And even before I got the card, they already enrolled me with Pay Over Time with $35K limit. 

 

Is this something new? My EX FICO is now at Very Good level at 741 after staying for months at Good with 639. Regardless, I am very thankful with AMEX. 

 

Moderator
Posts: 15,414
Registered: ‎10-07-2014

Re: AMEX Approval.... NO HP?!? huh?

Congrats on the Business Gold approval.  The no HP for new applications for existing customers has been going in for a while now and many of us have been approved for a new card with no HP.  It is great that they are using their recent SPs for new applications.

Regular Contributor
Posts: 162
Registered: ‎04-21-2017

Re: AMEX Approval.... NO HP?!? huh?

Yep. I was approved for the SPG Sunday and never got  a hard pull. Loving Amex...

10/4/17 EQ-729 TU-746 EX-719 From $900 available credit to $99,200 in 9 months. It's been a fun ...
Frequent Contributor
Posts: 423
Registered: ‎04-11-2016

Re: AMEX Approval.... NO HP?!? huh?

Ahhh.... Thanks, Irish. Somehow, this is the first time this happened to me. But, I'm glad.

Regular Contributor
Posts: 189
Registered: ‎11-12-2014
0 Kudos

Re: AMEX Approval.... NO HP?!? huh?

[ Edited ]

Congrats!

 

ps. I was approved for the BCE 3 weeks ago - still no HP.

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Community Leader
Super Contributor
Posts: 9,928
Registered: ‎07-17-2013
0 Kudos

Re: AMEX Approval.... NO HP?!? huh?

Thats great! Nice job on the approvalSmiley Happy
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Established Contributor
Posts: 873
Registered: ‎05-26-2016

Re: AMEX Approval.... NO HP?!? huh?

Congratulations GTC471 on the approval! Question do you know if this card reports to your personal credit reports? Or just acts as a strictly business TL? 

FICO 08 Scores:// 10/18/2017 TU:// 737 EQ:// 738 EX:// 764
Inquires TU:// 10 EQ:// 12 EX:// 15
Total Utilization:// 3%
Total Revolving CL:// $371,700k
Moderator
Posts: 15,414
Registered: ‎10-07-2014

Re: AMEX Approval.... NO HP?!? huh?


bruisedcredit wrote:

Congratulations GTC471 on the approval! Question do you know if this card reports to your personal credit reports? Or just acts as a strictly business TL? 


It does not report to your personal credit reports unless you default.

Established Contributor
Posts: 873
Registered: ‎05-26-2016

Re: AMEX Approval.... NO HP?!? huh?

Okay Thanks Irish for this information. I keep getting a 50,000 points in my offers when I log on to my account so it's pretty tempting to say the least.

FICO 08 Scores:// 10/18/2017 TU:// 737 EQ:// 738 EX:// 764
Inquires TU:// 10 EQ:// 12 EX:// 15
Total Utilization:// 3%
Total Revolving CL:// $371,700k
Valued Contributor
Posts: 2,255
Registered: ‎02-14-2016

Re: AMEX Approval.... NO HP?!? huh?

congrats - they gave me my most recent card without a hard pull as well. Seems to be more common lately.

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