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2nd Amex card question?

Frequent Contributor

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?

Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Discover It $16,000, Citi Hilton $16,200, Citi TYP $14,400, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $10,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
Message 1 of 17
16 REPLIES
Moderator Emerita

Re: 2nd Amex card question?

Message 2 of 17
Mega Contributor

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
Message 3 of 17
Valued Contributor

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
Message 4 of 17
Frequent Contributor

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.
Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Discover It $16,000, Citi Hilton $16,200, Citi TYP $14,400, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $10,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
Message 5 of 17
Valued Contributor

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
Message 6 of 17
Moderator

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.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 7 of 17
Frequent Contributor

Re: 2nd Amex card question?

@Revelate. That's was my understanding too. But wasn't 100% sure.
Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton $12,000, Discover It $16,000, Citi Hilton $16,200, Citi TYP $14,400, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $10,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000, Cap One Cash $2500,-- EQ FICO 768, EX FICO 777, TU FICO 781
Message 8 of 17
Valued Contributor

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
Message 9 of 17
Frequent Contributor

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).



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 10 of 17