If You Are Already an AMEX Card Holder...

shane82388 · ‎03-07-2012

Do they pull hard if you apply for another card, or is it just a soft pull?

I have an AMEX Green for about 6-7 months now and im interested in getting a revolving AMEX card at some point...possibly the Blue Cash Everyday. High 600's get me there or no?

Side note: i have a sole proprietors business ive started recently...Ive looked at business cards they have (briefly) and liked the "SimplyCash Business card" as a dedicated card for my business expenses. How hard is that to get? I have an EIN but obviously it would need t obe personally guarunteed...

bichonmom · ‎03-07-2012

In general, if you are denied, it's soft. If you are approved, they change it to a HP. Of course, YMMV.

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

-Cain- · ‎03-07-2012

It's a hard pull on approval, soft on denial.

Edit: bichonmom beat me to it. Lol. But yes, as always YMMV.

TheBronxBomber · ‎03-07-2012

@shane82388 wrote:
Do they pull hard if you apply for another card, or is it just a soft pull?

I have an AMEX Green for about 6-7 months now and im interested in getting a revolving AMEX card at some point...possibly the Blue Cash Everyday. High 600's get me there or no?

Side note: i have a sole proprietors business ive started recently...Ive looked at business cards they have (briefly) and liked the "SimplyCash Business card" as a dedicated card for my business expenses. How hard is that to get? I have an EIN but obviously it would need t obe personally guarunteed...

When I applied for an Amex Green last year, my FICO was 656. I applied for a Platinum business card 6 months later and was approved. My score at hat point was mid 700's and it was a hard pull.

Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal

dmbtay · ‎03-07-2012

@shane82388 wrote:
Do they pull hard if you apply for another card, or is it just a soft pull?

I have an AMEX Green for about 6-7 months now and im interested in getting a revolving AMEX card at some point...possibly the Blue Cash Everyday. High 600's get me there or no?

Side note: i have a sole proprietors business ive started recently...Ive looked at business cards they have (briefly) and liked the "SimplyCash Business card" as a dedicated card for my business expenses. How hard is that to get? I have an EIN but obviously it would need t obe personally guarunteed...

in my experience all additional cards were soft pulls initially.

aamex · ‎03-07-2012

@shane82388 wrote:
Do they pull hard if you apply for another card, or is it just a soft pull?

I have an AMEX Green for about 6-7 months now and im interested in getting a revolving AMEX card at some point...possibly the Blue Cash Everyday. High 600's get me there or no?

Side note: i have a sole proprietors business ive started recently...Ive looked at business cards they have (briefly) and liked the "SimplyCash Business card" as a dedicated card for my business expenses. How hard is that to get? I have an EIN but obviously it would need t obe personally guarunteed...

From my most recent experience, my approval was a soft pull. I apped for a Platinum with already 2 other amex accounts. I haven't gotten a notification that there was an inquiry though

Wallet: Fidelity Investment Rewards | BOA Travel Rewards | Chase Sapphire Preferred | Discover More

Walt_K · ‎03-07-2012

@aamex wrote:
@shane82388 wrote:
Do they pull hard if you apply for another card, or is it just a soft pull?

I have an AMEX Green for about 6-7 months now and im interested in getting a revolving AMEX card at some point...possibly the Blue Cash Everyday. High 600's get me there or no?

Side note: i have a sole proprietors business ive started recently...Ive looked at business cards they have (briefly) and liked the "SimplyCash Business card" as a dedicated card for my business expenses. How hard is that to get? I have an EIN but obviously it would need t obe personally guarunteed...
From my most recent experience, my approval was a soft pull. I apped for a Platinum with already 2 other amex accounts. I haven't gotten a notification that there was an inquiry though

Have you checked your EX report?

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

trumpet-205 · ‎03-07-2012

AMEX will only hard pull you if it is approved; soft pull otherwise.

shane82388 · ‎03-07-2012

Oh ok so its basically a super fair deal. Id take an inquiry if it for sure got me soemthing...the whole issue i have with inquiries is they can hurt you and leave you with nothing.

So if i were to app for one of the revolving credit cards, NOT a charge card...then it would basically not cost me anything unless i was getting something out of it?

shane82388 · ‎03-07-2012

@trumpet-205 wrote:
AMEX will only hard pull you if it is approved; soft pull otherwise.

SWEEET.