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Regular Contributor
Posts: 226
Registered: ‎10-12-2012
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2nd Amex card question?

Am I correct in the fact that a current Amex member when applying for a new card, they use the last soft they did on you.  I checked and the last time they softed me was 3/20.  Is that the report they would use or would they soft again during application?

Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Virgin Atlantic World Elite MC $11,100, Chase Sapphire Preferred $6500, Fidelity Amex $5000, Barclay Arrival World Elite MC $6000, Barclay Apple Rewards $4000, Citi Hilton Visa Sig., $9800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $7500, US Bank Flexperks Visa Sig, $12,000 Discover IT $13000, Chase Freedom $3500, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
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Re: 2nd Amex card question?

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Re: 2nd Amex card question?


09Lexie wrote:
They will sp you again and if approved its a Hp

This is correct Smiley Happy




EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,137
Registered: ‎06-16-2012
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Re: 2nd Amex card question?


LS2982 wrote:

09Lexie wrote:
They will sp you again and if approved its a Hp

This is correct Smiley Happy


thats cool!!! really been wanting the Costco TE! was there yesterday and that big poster board of their card advertisement was calling my name!

gardening since 5/21/2016
Regular Contributor
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Registered: ‎10-12-2012
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Re: 2nd Amex card question?

Thanks. I know about the soft pull decline, hard pull approved, but thought I've read instances where they just used the last soft they had on you. Not a current or new soft.
Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Virgin Atlantic World Elite MC $11,100, Chase Sapphire Preferred $6500, Fidelity Amex $5000, Barclay Arrival World Elite MC $6000, Barclay Apple Rewards $4000, Citi Hilton Visa Sig., $9800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $7500, US Bank Flexperks Visa Sig, $12,000 Discover IT $13000, Chase Freedom $3500, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
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Re: 2nd Amex card question?


icloud2525 wrote:
Thanks. I know about the soft pull decline, hard pull approved, but thought I've read instances where they just used the last soft they had on you. Not a current or new soft.

still undecisive if to pull the trigger or not. Just afraid that this will hurt my chances on getting approved for the 3x CLI on my BCP the 30th of May. Will most likely wait till after that has passed before i pull the trigger.

gardening since 5/21/2016
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Re: 2nd Amex card question?


LS2982 wrote:

09Lexie wrote:
They will sp you again and if approved its a Hp

This is correct Smiley Happy


Did that change recently?  Amex is notorious for using the last SP they have on record for their members.

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Re: 2nd Amex card question?

@Revelate. That's was my understanding too. But wasn't 100% sure.
Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Virgin Atlantic World Elite MC $11,100, Chase Sapphire Preferred $6500, Fidelity Amex $5000, Barclay Arrival World Elite MC $6000, Barclay Apple Rewards $4000, Citi Hilton Visa Sig., $9800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $7500, US Bank Flexperks Visa Sig, $12,000 Discover IT $13000, Chase Freedom $3500, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
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Re: 2nd Amex card question?


icloud2525 wrote:
@Revelate. That's was my understanding too. But wasn't 100% sure.

maybe Revalate is correct. In the past i read that is the case (last SP AMEX did).

gardening since 5/21/2016
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Posts: 355
Registered: ‎01-16-2013
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Re: 2nd Amex card question?


dodgerslv wrote:

icloud2525 wrote:
@Revelate. That's was my understanding too. But wasn't 100% sure.

maybe Revalate is correct. In the past i read that is the case (last SP AMEX did).


My understanding was that they used the last SP, if it was within a certain time period (30 days maybe?). In the OP's case, it has been 37(ish) days, so that's why it would be a new SP (if 30 days is true).



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