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Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
0

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

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?

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
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 $12000 Discover More $1200 CSP 18000
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

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

Are you an AU with the gold card?

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

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.
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
0

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

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

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
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 $12000 Discover More $1200 CSP 18000
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012
0

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


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.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

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

Has the AMEX reported on your reports yet?

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.
Established Member
texaspete2012
Posts: 61
Registered: ‎04-27-2012
0

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

how old is the gold?

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (7000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
0

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

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

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
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 $12000 Discover More $1200 CSP 18000
Established Member
texaspete2012
Posts: 61
Registered: ‎04-27-2012
0

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

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

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (7000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
0

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


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

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
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 $12000 Discover More $1200 CSP 18000
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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

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.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

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