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

Frequent Contributor

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. 

 

Message 1 of 34
33 REPLIES
Moderator

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.

Message 2 of 34
Regular Contributor

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-751 EX-724 From $900 available credit to $99,200 in 9 months. It's been a fun ...
Message 3 of 34
Frequent Contributor

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

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

Message 4 of 34
Regular Contributor

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

Congrats!

 

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

Message 5 of 34
Community Leader
Super Contributor

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
Message 6 of 34
Established Contributor

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? 

I AMEX | BOA | Barclay | Chase | CiTi | CapOne | Discover | FNBO | NavyFed | PenFed | Sync l USAA |
FICOO8 Scores As of 12/5/2017: TU 740 // EQ 734 // EXP 759 // TCL: $400k+ Club
Message 7 of 34
Moderator

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.

Message 8 of 34
Established Contributor

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.

I AMEX | BOA | Barclay | Chase | CiTi | CapOne | Discover | FNBO | NavyFed | PenFed | Sync l USAA |
FICOO8 Scores As of 12/5/2017: TU 740 // EQ 734 // EXP 759 // TCL: $400k+ Club
Message 9 of 34
Valued Contributor

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.

Message 10 of 34