Credit Cards

[ukimafija]

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?

[OptimasPrime]

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

[ukimafija]

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.

[OptimasPrime]

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. 

[ukimafija]

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 LOL

[youngandcreditwrthy]

:-) congrats!!