AMEX members get HP for decline or approval

[mikhro]

Ok, since I've been reading a lot of information on this forum about HP and SP for Amex current members applying for a new card. I decided to speak with 2 different deparments to verify this information.

I called the "New Application" dept, and they also transfered me to the "Credit Reporting" dept. 

Both confirmed that even existing members get HP for both, declined or approved application.

I though declines only got SP, and approval got HP

Anyone want to shed light on this?

[myjourney]

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@mikhro wrote:

Ok, since I've been reading a lot of information on this forum about HP and SP for Amex current members applying for a new card. I decided to speak with 2 different deparments to verify this information.

I called the "New Application" dept, and they also transfered me to the "Credit Reporting" dept. 

Both confirmed that even existing members get HP for both, declined or approved application.

I though declines only got SP, and approval got HP

Anyone want to shed light on this?

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Amex is a SP if denied HP if approved

[pizzadude]

+1.   The CSRs you spoke with are misinformed.

[mikhro]

I guess I'll try again later and speak with other CSRs. Hopefully you're right and they are just misinformed.
What was funny was, that every time i asked her something, she'd reply: "please hold" . As she was asking someone

[FinStar]

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@mikhro wrote:

Ok, since I've been reading a lot of information on this forum about HP and SP for Amex current members applying for a new card. I decided to speak with 2 different deparments to verify this information.

I called the "New Application" dept, and they also transfered me to the "Credit Reporting" dept. 

Both confirmed that even existing members get HP for both, declined or approved application.

I though declines only got SP, and approval got HP

Anyone want to shed light on this?

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Others can chime in on their outcome I'm sure.  IME all my approvals (with an already existing AMEX relationship) have all been HP.  From a lending perspective, I can certainly understand why their department would confirm the HP info since essentially anytime you are seeking new credit even with an existing AMEX relationship, it "technically" s/b considered a HP.

[pizzadude]

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@mikhro wrote:
I guess I'll try again later and speak with other CSRs. Hopefully you're right and they are just misinformed.
What was funny was, that every time i asked her something, she'd reply: "please hold" . As she was asking someone

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I doubt that you'll get any different answers.  CSRs in general are very, very often misinformed on inquiries and other credit related topics.

I've apped many times, always a HP if approved but SP if declined.

[Crashem]

Unless things have changed recently, I know for a fact that for current customers:

SP for denials and HP for approvals

There is one exception that I can think of however:

When you first become a customer and then app for another card very shortly afterwards, you could end up with two HPs no matter what happens.  The reason for this is that AMEX hasn't had a chance to SP your account yet.  However, two HPs from same issuer isn't a big deal as they basically just age off together.  Also, if on Experian, I have had a lot of lot getting the 2nd inquiry removed as duplicate.  In my personal case, I ended up with 3 AMEXs within a month with initially 3 HPs on Experian that were reduced to 1.  So three AMEXs for the price of one HP.  Since I was backdated on AMEX, my score actually took a drastic climb up with the addition of three cards.

[djc1puno]

+1 sp decline hp approve

[Slab]

How about CLI, would that be a sp or hp?

[myjourney]

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@Slab wrote:

How about CLI, would that be a sp or hp?

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SP