AMEX Application Questions

ficostef · ‎06-10-2014

1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

IamB2 · ‎06-11-2014

I just now applied with Amex, for two cards, and they pulled EX exclusively. On both times.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*

chwebb1 · ‎06-11-2014

@ficostef wrote:
1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

1. They will pull all 3 if you are borderline. I had all 3 of mine pulled (although this was approximately a year ago).

2. No idea, since I've never used it.

photo bankamericard-better-balance-rewards-credit-card-small.png

$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015

Kenny · ‎06-11-2014

Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.

Take the myFICO Fitness Challenge

facutardeat · ‎06-11-2014

@ficostef wrote:
1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

I was recently approved for my EveryDay Preferred. Before I applied, I used their pre-qualification tool and was did not have any offers.

vygotsky · ‎06-11-2014

@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.

Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

FICO 733 (Discover)

Creditaddict · ‎06-11-2014

@vygotsky wrote:
@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.
Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

CLI are always sp.

jd352 · ‎06-11-2014

My only offer was to upgrade my PRG to Platinum (no bonus ). I app'd for the Everyday Preferred anyway and was approved. I wasn't going to upgrade the PRG without a way to multiply MR points.

NPSL............... $20,700........... $15,200.......... $5,000............ $15,000............ $20,000
Current Scores: Equifax: 761 (Fico) TransUnion: 751 (Fico) Experian: 768 (Fico)

ExplicitElicit · ‎06-11-2014

@vygotsky wrote:
@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.
Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

Sp everytime no matter the outcome.

Edit: Sorry CA didn't see your response before I posted... Ohh work has me tired today