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Denied for Amex Blue

Regular Contributor

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.Smiley Tongue
 
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!
Message 21 of 24
Epic Contributor

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.
Message 22 of 24
Regular Contributor

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.
Message 23 of 24
Moderator Emeritus

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. Smiley Surprised )
Message 24 of 24