Reply
Established Member
Posts: 64
Registered: ‎04-01-2011
0

American Express Application-Blue Sky Preferred and Blue cash Preferred

If i am a current coustomer and i am logged in online and i i apply online will it onlybe a soft pull on my credit report? Or will it always be a hard? Also if i apply for 2 card is  it  1 or 2 hard pulls?

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: American Express Application-Blue Sky Preferred and Blue cash Preferred

[ Edited ]

Upgrade = soft pull (you accept an offer to convert from an existing product)

 

Application = hard (you request a new card in addition to one that you already have)

 

 

eta: I think that multiple apps with AmEx in one day = only one hard, but they might have changed. Any input from others, please?

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 217
Registered: ‎04-17-2007
0

Re: American Express Application-Blue Sky Preferred and Blue cash Preferred


haulingthescoreup wrote:

Upgrade = soft pull (you accept an offer to convert from an existing product)

 

Application = hard (you request a new card in addition to one that you already have)

 

 

eta: I think that multiple apps with AmEx in one day = only one hard, but they might have changed. Any input from others, please?


Correct. Multiple apps in a 24 hour period are one hard.

Established Member
Posts: 11
Registered: ‎07-28-2010
0

Re: American Express Application-Blue Sky Preferred and Blue cash Preferred

Is it one pull for multiple apps within 24 hours or the same day??  I was approved for Zync last night, and would like to apply for a revolving card if it would all be the same inquiry..

 

Thanks!

Regular Contributor
Posts: 127
Registered: ‎07-26-2010
0

Re: American Express Application-Blue Sky Preferred and Blue cash Preferred

+ 1

Bump.

 

Interested in the answer to this one, same situation.  Applied for a Hilton Honors Amex last night at 7 pm, approved today around 4pm, trying to decide about doing one more.

The hard pull showed up with today's date even though I app'd last night.

 

Any thoughts?

Is there any risk to app'ing for another card, other than a denial on the newest app?

 

Thanks.


Starting Score: TU 699 EQ 651 EX FAKO 705
Current Score: TU 724 EQ 714 EX FAKO 770
Goal Score: 760
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: American Express Application-Blue Sky Preferred and Blue cash Preferred

Has anyone just called AmEx and asked? :smileyvery-happy:

 

Really, I'm not trying to be sarcastic. American Express CSR's are generally pretty knowledgeable about this sort of thing.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.