How Often Does Amex Soft You?

n777ua · ‎09-14-2013

They've been softing me 2-3 times a month for the past year. Excessive or normal? Discuss.

About $215,000 total credit among 11 cards

CashOnDelivery · ‎09-14-2013

Since my first AMEX in July, they SP'ed me 3 times.

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700
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resilient · ‎09-14-2013

Get this......I don't even have AmEx anymore, haven't had them since about 2003 or 2004 when they charged off a $1000 balance....and they soft me once a WEEK! And it has been this way for the past two years at least (that's how long I've been checking my reports). My account with them is no longer showing, but I applied recently, and they gave me a "no", did a hard pull too, only to tell me "past relationship unsatisfactory". I knew they blacklisted, but just tested the waters.

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)

Crashem · ‎09-14-2013

Didn't think Amex blacklist resulted in hp.

Capital One 1.5% MC/HSBC 15kto20k 8/7/13

LIMITS IN CARD DESCRIPTIONS

shane82388 · ‎09-14-2013

These are the last AMEX softs on my Experian report...

youngandcreditwrthy · ‎09-14-2013

They typically hp 1 a month.
I've seen them go five months without hp'ing me,
Then they did it twice in a month. On avg, I'd say once a month...
Amex Account Review and American Express 2 is how they show up...
Very odd

shane82388 · ‎09-14-2013

P.S. - Does this mean that the last soft AMEX would be using if i was to app as a current card holder would be Sept 3?

ezdoesit · ‎09-14-2013

@resilient wrote:
Get this......I don't even have AmEx anymore, haven't had them since about 2003 or 2004 when they charged off a $1000 balance....and they soft me once a WEEK! And it has been this way for the past two years at least (that's how long I've been checking my reports). My account with them is no longer showing, but I applied recently, and they gave me a "no", did a hard pull too, only to tell me "past relationship unsatisfactory". I knew they blacklisted, but just tested the waters.

You know if you CO with them in they past and still want their card it is possible to do the Oasis program.

ezdoesit · ‎09-14-2013

Also how do you check your sp?

Crashem · ‎09-14-2013

Young, SP not HP

LIMITS IN CARD DESCRIPTIONS