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Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Are Amex AU Apps soft or hard pulls? (if denied)

was thinking about adding my father to help him out. and adding him as an au to my zync. 

 

he has a 2 year care one card with 3500 limit. 

no other cards 2 other inq. 

 

nothing else on his report. (only came to america in nov of 10')

 

sorry searched for this in the search bar but led me to pointless threads from 2006-2008

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 252
Registered: ‎11-27-2011
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Re: Are Amex AU Apps soft or hard pulls? (if denied)

Soft either way
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Re: Are Amex AU Apps soft or hard pulls? (if denied)


nada9188 wrote:
Soft either way

what i meant was if i added him as an au does he get the same deal that its only a soft for denied or is it a hard pull as he doesnt have his own account? 

 

we get hard pulled if we get the new card.... 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Are Amex AU Apps soft or hard pulls? (if denied)

[ Edited ]

If he is an AU, any application he submits using his SS, denied or accepted will be a HP until he has his own account with Amex.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
Posts: 252
Registered: ‎11-27-2011
0

Re: Are Amex AU Apps soft or hard pulls? (if denied)

So you are asking if he becomes an au, will future apps for him be soft?

I believe they would be hard as additional card holders technically do not have an account with American Express.
Valued Contributor
Posts: 1,486
Registered: ‎08-30-2011
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Re: Are Amex AU Apps soft or hard pulls? (if denied)

AMEX is a bit different.  They don't have authorized users; they call them additional card members, and the additional card member gets their own number, rather than just their name on your number.  When I added my kids as AC, there was no pull at all.  Simply asked for identity info including date of birth/social security number/relationship.  Kids' files were very thin at the time, but no inquiries showed up on their reports.  This was in regards to an acceptance.  Don't know if the experience would be the same for a denial. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Valued Contributor
Posts: 1,486
Registered: ‎08-30-2011
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Re: Are Amex AU Apps soft or hard pulls? (if denied)

Actually, it's a moot point.  AMEX Zync may not be allowing additional card members now.  I just checked their site to be certain, and got a message that they were not accepting additional memberships and to call the number on the back of the card for any questions. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

Re: Are Amex AU Apps soft or hard pulls? (if denied)

thanks guys. 

 

yes i meant as in additional apps. 

 

so if i add him as an au or (additonal card member) 

 

and 2 years from now he apps for a bcp. (im not saying he would get denied.) but if he did would it be a soft pull. 

 

and conclusion of this thread it would be a hard pull since he doesnt have his own account in his name... Correct? 

 

and ok not zync(i have read the rumors/facts on here about zync) say it was a gold or a costco true earning amex. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Are Amex AU Apps soft or hard pulls? (if denied)


creditnocash wrote:

thanks guys. 

 

yes i meant as in additional apps. 

 

so if i add him as an au or (additonal card member) 

 

and 2 years from now he apps for a bcp. (im not saying he would get denied.) but if he did would it be a soft pull. 

 

and conclusion of this thread it would be a hard pull since he doesnt have his own account in his name... Correct? 

 

and ok not zync(i have read the rumors/facts on here about zync) say it was a gold or a costco true earning amex. 

 


Correct.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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