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AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

Regular Contributor

AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

The theme asks the question itself, I read before somewhere that if you get denied, they only do a soft pull on your credit report.    Is this still true ?  Can couple people confirm whether this is (still)  the case?

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


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Message 1 of 6
5 REPLIES
Frequent Contributor

Re: AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

It depends, are you already an Amex member? If you are then denial is an sp 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Message 2 of 6
Regular Contributor

Re: AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

I am not a member yet, they have been soft pulling me for over a year, I am pre approved for Blue, Gold Charge Card, Zync, and Starwood GP.

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


Take the FICO Fitness Challenge
Message 3 of 6
Frequent Contributor

Re: AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

Unfortunately they will do an hp even if you are denied since you are not yet a member. Amex soft pull denials only apply for current members. 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Message 4 of 6
Regular Contributor

Re: AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

Ok buddy, thanks for the info, I thought it was like that at the end but better make sure.I am gonna lay low couple of months before I apply.

 

 

Anyway, these were  great few weeks for me: I got a new US Bank Cash + Visa S. 11500 limit+4000$ line of credit, Got FT Knox visa platinum for gas 5%   2500$, and I got CLI on my BOA 123 Cash Rewards up to 12K, and CAP One Platinum MC   CLI  from 750 to 5K , and i got my Chase Freedom from before at 5400$ so I am good for some time.

 

Not bad for 29 months of perfect credit history LOLSmiley LOL

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


Take the FICO Fitness Challenge
Message 5 of 6
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Senior Contributor

Re: AMEX B.Cash Everyday Soft/Hard pull in case of Denial?

:-) congrats!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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