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Established Member
ldah
Posts: 64
Registered: ‎04-01-2011

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?

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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

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
networkguy
Posts: 217
Registered: ‎04-17-2007

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
Gladd06
Posts: 11
Registered: ‎07-28-2010

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
JRomulus
Posts: 127
Registered: ‎07-26-2010

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
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

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

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