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

texaspete2012 · ‎04-27-2012

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.

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (4000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12

Madman94044 · ‎07-01-2012

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...

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 757 TU 712 EX 712, Amex pull
Goal Score: 720
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $6000 Discover More $1200.

jd5189 · ‎08-14-2012

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

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.

Madman94044 · ‎07-01-2012

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

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 757 TU 712 EX 712, Amex pull
Goal Score: 720
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $6000 Discover More $1200.

texaspete2012 · ‎04-27-2012

Lets us know

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (4000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12

armbenderc · ‎09-11-2012

Any update?

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

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (06/13) 738
2013: 3/1/13 - Discover IT (Approved), 3/4/13 - Amex BCE (Approved), 5/4/13 - CSP (Approved), 6/12/13 - Barclay Ring (Approved)

kwazziee · ‎09-26-2011

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.

Credit Cards

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

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

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

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

Lets us know

Re: Lets us know

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