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American Express

New Member

Re: Hard Inquiry Pulls AMEX Address

Yes I was told I would not receive a hard pull. It said it flat out in their ad before I entered my social.
Message 11 of 24
New Member

Re: Hard Inquiry Pulls AMEX Address

I'm not trying to do anything shady here. Had I know I was going to get a hard pull I would have at least called the reconsideration line. However I wasn't really interested in getting the card... Just merely saw the ad and figured I'd kill some time.
Message 12 of 24
Super Contributor

Re: Hard Inquiry Pulls AMEX Address

Did you apply or did u do the preapproval tool?

If you had actually applied for a card, then the inquiry is legitimate and you won't be able to get it removed.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 13 of 24
Moderator Emerita

Re: Hard Inquiry Pulls AMEX Address

All applications for credit will result in a HP.  This is not a valid dispute. 

Sorry. 

Message 14 of 24
Super Contributor

Re: Hard Inquiry Pulls AMEX Address


09Lexie wrote:

All applications for credit will result in a HP.  This is not a valid dispute. 

Sorry. 


Except, say, the shopping cart trick apps?

Message 15 of 24
Regular Contributor

Re: Hard Inquiry Pulls AMEX Address


longtimelurker wrote:

09Lexie wrote:

All applications for credit will result in a HP.  This is not a valid dispute. 

Sorry. 


Except, say, the shopping cart trick apps?


I'm not sure if that's actually applying for credit as much as it's accepting an offer. There's a distinct difference.



Last App: 12/25/2013
TU: 743 (Discover) Ex: 718 (CS) Goal: 760+ Across All
Gardening Until 6/25/14+
Message 16 of 24
Moderator Emerita

Re: Hard Inquiry Pulls AMEX Address


longtimelurker wrote:

09Lexie wrote:

All applications for credit will result in a HP.  This is not a valid dispute. 

Sorry. 


Except, say, the shopping cart trick apps?


Maybe I should have said all applications MAY result in a hp. I am unaware of a SP inq for a new Amex. SP if denied (current members); hp if approved. Even so, it's a YMMV. 

Message 17 of 24
Valued Contributor

Re: American Express


Joboak wrote:
Thanks

Are you 110% sure it was a preapproval link? If pull up and post the link up here and we can check it for you

The general rule of thumb is full social = credit app = HP. Last 4 = iffy. 


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Message 18 of 24
Moderator Emerita

Re: American Express

Message 19 of 24
Contributor

Re: American Express

Did you go to the preselected site, it said they had no offers for you, but welcomed you to apply?

 

Typically the preapproval sites will not ask you for your full info, like income, etc.  Did you enter that?  If so, full app.

 

I would also call the recon department.

Message 20 of 24