Credit Cards

[CruzImperial]

They pull your recent credit repot but only you and them can see that inquiry being made.

[ccb2115]

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CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.

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Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 

[Repo-ed]

www.whogavemecredit.com

[maceto]

A

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Cdnewmanpac wrote:

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matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

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Soft pull if declined, hard pull if accepted.

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This also the case for Authorized users?

[trumpet-205]

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maceto wrote:
A

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Cdnewmanpac wrote:

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matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

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Soft pull if declined, hard pull if accepted.

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This also the case for Authorized users?

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Only for primary account holder.

[iMacDrew]

Well when I app'd for the BCP my Ex score was 714, so If your Ex score is close to your Eq then you should be good, hopefully you get a better Apr than me though!

[sunshine7157]

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ccb2115 wrote:

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CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.

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Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 

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I found with Amex that if you apply for new credit, they sp a current report, but if you request a cli they use the last report they happened to have sp'd for 'account maintanance'.