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Frequent Contributor
Posts: 253
Registered: ‎11-27-2011


Based of my thoughts here, a business app is completely different than your personal card. Since they would be checking the business credit as well, Im not surprised that you also had a hard pull on EX. 



Established Contributor
Posts: 2,112
Registered: ‎09-25-2011


[ Edited ]

shane82388 wrote:

I got my personal Green AMEX last august...and i was under the impression any card from the inital card you get with AMEX will simply be backdated just the same as my original Green AMEX 2011, regardless of when you apply.

That's what I thought as well at first, but then I found out the month of the new application + the year of member start date is what factors in. So if you got approved now you'll only be getting 14 months of history. In January you would only be upto 17months of history on the new card.


If you wait until January to apply you'll be getting 24 months of history off the new card from the start.




nada9188 wrote:

Based of my thoughts here, a business app is completely different than your personal card. Since they would be checking the business credit as well, Im not surprised that you also had a hard pull on EX. 



This sounds reasonable, is the business under sole prioitor proprietorship or registered as an LLC? Although sometimes it doesn't matter because some cards require personal guarenttee

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Posts: 140
Registered: ‎05-30-2011


I assume if your applying for a CC you should be well prepared to take a inquiry hit. As with anything a SP is never a sure thing. I would try to recon though since you took a inquiry you might as well try to get approved.

Transunion (Credit Karma)- 815 (4/9/17)
Experian Fico (Amex)- 795 (4/9/17)
Vantagescore (Alliant)- 811 (4/9/17)
Equifax - 811 CK, 820 Citi (4/9/17)
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012


Yep... I'd say since it's a Business App; it doesn't work the same :-P
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 | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012


i just apped for Blue cash about 2 weeks ago no INQ when i called they said it was a SP from like 2-3 months ago so only an SP no HP because i was denied. i wonder if a business app is always a HP?

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Established Contributor
Posts: 994
Registered: ‎07-16-2010


It's not. I've done this with no hard inquiry about 3-4 times in the past 6 months. Never a hard inquiry until now.
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