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Amex doesn't HP for applications if you are already a card member

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jasonkm1
Regular Contributor

Re: Amex doesn't HP for applications if you are already a card member

I got the SPG the one month ago and also haven't seen a hard pull show up.

Message 11 of 22
MrDisco99
Valued Contributor

Re: Amex doesn't HP for applications if you are already a card member

Yeah I noticed I didn't get a HP when I applied for BCE last week.  I had an Amex SkyMiles card sent to collections 10 years ago.

I wonder how they are processing decisions without HPs?

Message 12 of 22
Anonymous
Not applicable

Re: Amex doesn't HP for applications if you are already a card member

A HP when I apped and was approved for a BCE mid April. A second HP when I apped and was approved for a Delta Gold 10 days later. 

Message 13 of 22
MyLoFICO
Valued Contributor

Re: Amex doesn't HP for applications if you are already a card member

Got my AMEX BCP on 4-21 and got a HP. My first AMEX card

App'd and got the ED. No HP same day

App'd the PRG next day and got declined and recieved HP #2

App'd the Simply Cash small business card on 5-1 and got approved. HP #3


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 14 of 22
Anonymous
Not applicable

Re: Amex doesn't HP for applications if you are already a card member


@MyLoFICO wrote:

Got my AMEX BCP on 4-21 and got a HP. My first AMEX card

App'd and got the ED. No HP same day

App'd the PRG next day and got declined and recieved HP #2

App'd the Simply Cash small business card on 5-1 and got approved. HP #3


Not to be rude....but YUK!! I wonder why they are all over place with this....:Smiley Mad

Message 15 of 22
MyLoFICO
Valued Contributor

Re: Amex doesn't HP for applications if you are already a card member


@Anonymous wrote:

@MyLoFICO wrote:

Got my AMEX BCP on 4-21 and got a HP. My first AMEX card

App'd and got the ED. No HP same day

App'd the PRG next day and got declined and recieved HP #2

App'd the Simply Cash small business card on 5-1 and got approved. HP #3


Not to be rude....but YUK!! I wonder why they are all over place with this....:Smiley Mad


Not sure. Maybe they saw the number of inquiries I have and thought I was collecting them and decided to give me a few more? lol


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 16 of 22
sonicchris8
Regular Contributor

Re: Amex doesn't HP for applications if you are already a card member

I was approved for my first AMEX Plenti in August 2016 with a HP. I was approved in January for the ED (didn't even enter much info on the app) no HP. I was approved in February for the BCE (didn't even enter much info on the app) no HP. That was my experience.

Starting scores: 538 EQ, 552 TU, 520 EX Current scores (11/18/20): 640 EQ 638 TU 654 EX
Message 17 of 22
Anonymous
Not applicable

Re: Amex doesn't HP for applications if you are already a card member

I wish I were that lucky! I have 3 Amex cards, and I took a HP for each card. The pulls were as follows:

 

May 2016: HP for Amex ED

October 2016: HP for Hilton HHonors Amex

March 2017: HP for Schwab Investor Amex

 

I can't even say that I have lots of inquiries or low scores with Experian. I currently have 4 HPs on Experian with a score of 738. My score was 720 when I got my first Amex.

 

Perhaps my flaw was electing for cobranded cards?

Message 18 of 22
K-in-Boston
Credit Mentor

Re: Amex doesn't HP for applications if you are already a card member


@MrDisco99 wrote:

I wonder how they are processing decisions without HPs?


As far as I am aware, they get the same information either way but a hard pull denotes that you were applying for credit, whereas a soft pull is only visible to you and not shared with other lenders.  To me, the new account sting is far worse than a HP, but it's nice when it works out that way.  The approvals for existing cardholders have indeed had data points on both sides, but from anecdotal evidence here they have mostly been no HP recently.  Declines for existing cardholders have traditionally not caused a HP, but there have of course been exceptions.  When personal cardholders have applied for a business card, it seems to always be a HP.

Message 19 of 22
ronstar7
Established Contributor

Re: Amex doesn't HP for applications if you are already a card member


@darkfrosty wrote:

So I know if you have an amex and want to apply for a new card they dont hard pull for a denial but if you get approved they hard pull. I have all my reports frozen and I just applied for a platinum and it went through and was approved. Do they just SP now if you are already a card member ? Ive gotten no alerts about a HP which when I have applied in the past I got the notification right away. 


Hoping and praying that is the new norm, it just happend to me like 2 days ago. I already had 2 cards and apped (after seeing I had offers) for 2 additional cards. Instant approval and so far no alerts. My reports are frozen as well.

Starting scores 12/1/15 EQ 601, TU 626, EX 601

Current Scores 9/17/17 EQ 686 TU 702 EX 655 Goal 700+ across
UTL 7%
Last Inq: 9/20/17
Message 20 of 22
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