American Express Pulling Pattern?

[grigorexxxcore]

Hello everyone!

I was approved for an American Express Zync card on Feburary 15th of 2011, my 1 year is coming up very soon! I plan on applying for the American Express BCE card in March, however I have a quick question. 

When I was first approved by American Express, they pulled all 3 reports. However, if I re-apply for a new card, does anyone think they will re-pull all 3 or was that just a 'trust' issue with AmEx for being a first time member?

Thanks again everyone!

[LS2982]

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@grigorexxxcore wrote:

Hello everyone!

I was approved for an American Express Zync card on Feburary 15th of 2011, my 1 year is coming up very soon! I plan on applying for the American Express BCE card in March, however I have a quick question. 

When I was first approved by American Express, they pulled all 3 reports. However, if I re-apply for a new card, does anyone think they will re-pull all 3 or was that just a 'trust' issue with AmEx for being a first time member?

Thanks again everyone!

---

They pulled all 3 for Zync?? They may have pulled one and felt you were borderline and wanted to see all 3. You should'nt have that problem the 2nd go around (possible for a revolver tho YMMV)

[android01]

My guess is that if you have used your Zync wisely they will likely pull only EX.  Good luck! 

[grigorexxxcore]

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@LS2982 wrote:

---

@grigorexxxcore wrote:

Hello everyone!

I was approved for an American Express Zync card on Feburary 15th of 2011, my 1 year is coming up very soon! I plan on applying for the American Express BCE card in March, however I have a quick question. 

When I was first approved by American Express, they pulled all 3 reports. However, if I re-apply for a new card, does anyone think they will re-pull all 3 or was that just a 'trust' issue with AmEx for being a first time member?

Thanks again everyone!

---

They pulled all 3 for Zync?? They may have pulled one and felt you were borderline and wanted to see all 3. You should'nt have that problem the 2nd go around (possible for a revolver tho YMMV)

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Yeah I didn't notice it till now but they did! I was surprised because a lot of individuals have mentioned just EX. I would prefer for them to just pull EX from now on, the BCE would be my first revolver card, I should probably lower my UTL before applying, I'm at about 25%? Is that too high before applying for AmEx's revolver cards?

Thank you!

[grigorexxxcore]

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@android01 wrote:

My guess is that if you have used your Zync wisely they will likely pull only EX.  Good luck! 

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I promise I've been good on it, haha, I really hope I can snag a BCE! 

Thanks!

[LS2982]

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@grigorexxxcore wrote:

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@LS2982 wrote:

---

@grigorexxxcore wrote:

Hello everyone!

I was approved for an American Express Zync card on Feburary 15th of 2011, my 1 year is coming up very soon! I plan on applying for the American Express BCE card in March, however I have a quick question. 

When I was first approved by American Express, they pulled all 3 reports. However, if I re-apply for a new card, does anyone think they will re-pull all 3 or was that just a 'trust' issue with AmEx for being a first time member?

Thanks again everyone!

---

They pulled all 3 for Zync?? They may have pulled one and felt you were borderline and wanted to see all 3. You should'nt have that problem the 2nd go around (possible for a revolver tho YMMV)

---

Yeah I didn't notice it till now but they did! I was surprised because a lot of individuals have mentioned just EX. I would prefer for them to just pull EX from now on, the BCE would be my first revolver card, I should probably lower my UTL before applying, I'm at about 25%? Is that too high before applying for AmEx's revolver cards?

Thank you!

---

Yes, try for below 5% when apping for BCE.

[grigorexxxcore]

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@LS2982 wrote:

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@grigorexxxcore wrote:

---

@LS2982 wrote:

---

@grigorexxxcore wrote:

Hello everyone!

I was approved for an American Express Zync card on Feburary 15th of 2011, my 1 year is coming up very soon! I plan on applying for the American Express BCE card in March, however I have a quick question. 

When I was first approved by American Express, they pulled all 3 reports. However, if I re-apply for a new card, does anyone think they will re-pull all 3 or was that just a 'trust' issue with AmEx for being a first time member?

Thanks again everyone!

---

They pulled all 3 for Zync?? They may have pulled one and felt you were borderline and wanted to see all 3. You should'nt have that problem the 2nd go around (possible for a revolver tho YMMV)

---

Yeah I didn't notice it till now but they did! I was surprised because a lot of individuals have mentioned just EX. I would prefer for them to just pull EX from now on, the BCE would be my first revolver card, I should probably lower my UTL before applying, I'm at about 25%? Is that too high before applying for AmEx's revolver cards?

Thank you!

---

Yes, try for below 5% when apping for BCE.

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Wow 5%? My goodness, I don't know if I will even apply then, haha. I'm currently at about 25%, I wanted the BCE card before my trip in April, and my credit usually reports a bit late so even if I made the payment today I wonder if it will be effective for my report when I apply in March?

I might just apply for a Chase Freedom card and maybe a Citi card? 

Thanks a ton!

[pizzadude]

Since you have been an existing cardmember for a year, I would go ahead and app, I don't think 20% util is too high IMO, and since you pinky promised that you've been good all year I bet AMEX will be generous with an approval.

And even if they were to decline, there won't be a hard pull and you get your EX FICO and also your denial reasons as a consolation prize !

[afbar1114]

if you get denined is only a SP but YMMV..at least it was only an SP for me

[FloridaState12]

Wow, you managed to wait a year? I'm waiting for my 6 month anniversary and I'm going crazy over here!

April 10th will be the day.