Amex Hard Inq?

[TheSpeculator]

Have PRG and BCE dating back to 2010. My AAoA is 2.3 years. Will apping be soft or hard?

[longtimelurker]

(Usually) soft if rejected, hard if approved.  So any new line does show up with an inq, but, and this is nice, rejections don't show up to other creditors...

[MrFlower]

I've read many posts on this forum when I was contemplating an app for a BCE (currently have a Platniunm).

If you are a current member a lot of people say it is a SP if denied and a HP if approved.

See:

http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-soft-pull/td-p/1632652

http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-SP-for-new-accounts-current-member/td-p/1411602

http://ficoforums.myfico.com/t5/Credit-Cards/Confirming-Amex-soft-pull-if-declined-for-existing-card...

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-soft-pull/td-p/1752738

(and many many more)

My recent application went pending confirmation of address and tax. When I pulled my CR waiting to hear from amex it was already listed as a HP on ex.

So possiblly I was already approved but they still wanted the confirmation or maybe I didn't get a SP because they want tax and address verification..

Just my recent experince.

[longtimelurker]

That's why my response started "Usually"!

[MrFlower]

You responded why I was writing... Didn;t see your post until I posted..