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Regular Contributor
icloud2525
Posts: 198
Registered: ‎10-12-2012

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 $17,400, Amex Platinum NPSL, Virgin Atlantic World Elite MC $10,500, Chase Sapphire Preferred $5000, Barclay Arrival World Elite MC $5000, Citi Hilton Visa Sig., $8800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $5900, US Bank Flexperks Visa Sig, $5000 Discover IT $6000, Chase Freedom $3500, Amex Hilton Honors $6000 Cap One Cash $2500,-- EQ FICO 768, EX FICO 755
Moderator
09Lexie
Posts: 24,489
Registered: ‎09-13-2012

Re: 2nd Amex card question?

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: 2nd Amex card question?


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

This is correct :smileyhappy:




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Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: 2nd Amex card question?


LS2982 wrote:

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

This is correct :smileyhappy:


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



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Regular Contributor
icloud2525
Posts: 198
Registered: ‎10-12-2012

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 $17,400, Amex Platinum NPSL, Virgin Atlantic World Elite MC $10,500, Chase Sapphire Preferred $5000, Barclay Arrival World Elite MC $5000, Citi Hilton Visa Sig., $8800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $5900, US Bank Flexperks Visa Sig, $5000 Discover IT $6000, Chase Freedom $3500, Amex Hilton Honors $6000 Cap One Cash $2500,-- EQ FICO 768, EX FICO 755
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

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.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Moderator
Revelate
Posts: 8,357
Registered: ‎12-30-2011

Re: 2nd Amex card question?


LS2982 wrote:

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

This is correct :smileyhappy:


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

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
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Regular Contributor
icloud2525
Posts: 198
Registered: ‎10-12-2012

Re: 2nd Amex card question?

@Revelate. That's was my understanding too. But wasn't 100% sure.
Amex BCP $17,400, Amex Platinum NPSL, Virgin Atlantic World Elite MC $10,500, Chase Sapphire Preferred $5000, Barclay Arrival World Elite MC $5000, Citi Hilton Visa Sig., $8800, Citi TY Preferred $7900, Citi Diamond Preferred $7400, Citi Dividend $5900, US Bank Flexperks Visa Sig, $5000 Discover IT $6000, Chase Freedom $3500, Amex Hilton Honors $6000 Cap One Cash $2500,-- EQ FICO 768, EX FICO 755
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

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).



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Frequent Contributor
_jb_
Posts: 306
Registered: ‎01-16-2013

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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