I was approved for the BCE on 1/14/18 with SL $1000. I received the $200 with $1000 spend SUB. My EX score at the time was 673 and is currently 681.
I'm considering apping the EDC. Based on when my BCE was opened, will they SP my score from the last approval, or a SP/HP my current score? For the Fico score they provide, it shows 669 as of 1/31/18.
I have had Amex do a HP when I have opened cards with them, but more recently they did a SP for me (about a year ago). It seems now they generally do a SP if a denial and if you're pre-approved it should also be a SP.
My BCE was opened 1/14, so have not hit the 3 months yet. I am hoping they pull my current score and rather than a previous one for a new card.
If I'm logged in, I won't see the increased SUB offers. Incognito shows 15k SUB vs. 10k for the EDC when logged in. Is it guaranteed HP if I am not logged in?
I've had one amex card originally green now platinum(6/17) since 2014. December applied for delta gold after receiving 75k targeted offer and denied. I reconed it also for manual review also denied. No HP.
Two days ago decided to go at it again since all 17 cards on my card offer page were showing pre-approval. All revolvers showed a APR range. Went for BCP instant approval 2k limit 22.24 apr and so far no HP. Just for fun tried 4k for purchase and it was approved. Hope that helps.