Reply
Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012

AMEX TrueEarnings HP all 3

[ Edited ]

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins :smileyhappy:)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: AMEX TrueEarnings HP all 3


pt2005 wrote:

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins :smileyhappy:)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks


Someone can correct me if im wrong, but when you are borderline approval, i believe AMEX pulls all three reports.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: AMEX TrueEarnings HP all 3

yes, you were - close to being denied
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: AMEX TrueEarnings HP all 3

They HP all 3 for me when I doubled app for zync and delta. Zync was instant and delta took about 20 min.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: AMEX TrueEarnings HP all 3

What consider borderline approval ????? Like score and baddie ??


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012

Re: AMEX TrueEarnings HP all 3

[ Edited ]

Thanks guys.

The reason I'm asking is when I applied for AMEX SimplyCash about 2 months ago, I got only one ding from TU. Now 3. How lovely.

 

I figured may as well bite the bullet now. With being AU on Chase Freedom $7000 CL, having a (personal) Discover and AMEX, I hope things will get better. I should have waited a bit before applying since my Cap1 Visa is still not reporting $3000 CL (I mailed Exec office in Oct and was bumped from $500 to $3000). Since I learned from this forum that AMEX business will not report to personal files, so that was why I applied for TrueEarnings.

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: AMEX TrueEarnings HP all 3

Mine was baddie. My TU was 702 and my EX was much higher than that. EQ was 661 at time of approval.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: AMEX TrueEarnings HP all 3


dodgerslv wrote:

pt2005 wrote:

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins :smileyhappy:)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks


Someone can correct me if im wrong, but when you are borderline approval, i believe AMEX pulls all three reports.


+1

Yup, they're trying to get you approved when they pull all three.

 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: AMEX TrueEarnings HP all 3

+111

Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011

Re: AMEX TrueEarnings HP all 3

Congrats! Great card!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+