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Regular Contributor
MsQueenB
Posts: 269
Registered: ‎09-14-2007

Re: Denied for Amex Blue

Hi to all you "credit happy" folks!  I haven't been on in a while so PLEASE forgive me for asking this because I know it's been answered before.  Just be patient with me and no rude replies.:smileytongue:
 
What, exactly, is the diff between a "soft" pull and a "hard" one?  I want to apply for the Costco AMEX card to go along with my Blue, but if it means another inquiry, I don't think so.
 
Thank you!
Mega Contributor
Creditaddict
Posts: 18,578
Registered: ‎10-23-2007

Re: Denied for Amex Blue

soft only you see and hard everyone else that pulls your credit sees.
amex softs for cli and stuff like that but I THINK for new account they will need to hard.
Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
MsQueenB
Posts: 269
Registered: ‎09-14-2007

Re: Denied for Amex Blue

Thank you, creditaddict.  So, I guess it's safe to proceed.  I alwyas see an offer to apply for another AMEX above my Account Summary.  I remember someone saying a while back that was a "pre-approval" offer.  I'll try it and let everyone know.
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Denied for Amex Blue

Also, the most important difference is that hard pulls count against your score for a year, while soft pulls don't count against you at all.
 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )

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