@Anonymous wrote:So I closed out my AMEX revolver 2 months ago but still have the online access account showing accounts as closed...if I apply for an AMEX charge card, will this be a soft pull initially? Or will it be a hard pull since my AMEX accounts are cancelled?
I don't know the answer, but if you're approved, regardless of being a current Amex member or not, you'll get a hard pull. I'd just expect one in your case as if you're actually wanting and expecting to get the tradeline, the answer is pretty moot.
Has something changed so drastically that you wouldn't be approved now but were in the past? I wouldn't worry about it. Especially if it's a charge... Just assume hard and in the off chance you get both a decline and a soft u win, kinda. My assumption would be a hard either way. I look at it this way, the soft thing is a nice perk for Amex, allowing you to side step unneeded inquires. However, it's still a bank. If they haven't been softing you for account reviews and such they won't know what your report looks like.
@Anonymous wrote:Hey revelate,
I guess the question should be rephrased: Since technically I don't have AMEX cards anymore, will it be a soft pull to apply and then turn to hard upon approval--as opposed to someone who has never has an AMEX it is a hard pull whether approved or not. Is closing out my accounts 2 months short enough to still leave me in their member system where it will be a soft pull still if for some reason I am denied the charge card? (I had 2 revolvers with AMEX that I closed 2 monts ago)
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