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Go for it, Amex have been approving left and right lately.
I just went ahead and applied for the GOLD, and got approved!! tried to do the vlue cash afterwards but she told me they will run a hard inquiry again so got over it, anyways really happy right now! wanted to thank everyone!
@mikemogadas wrote:I just went ahead and applied for the GOLD, and got approved!! tried to do the vlue cash afterwards but she told me they will run a hard inquiry again so got over it, anyways really happy right now! wanted to thank everyone!
Nice!!
I would call back and talk with someone else about the Blue Cash CC. I don't see why they would run back to back hard inqs, I did the exact thing just yesterday and they only ran 1 hard pull on each EX, EQ, and TU and were able to aprove both cards.
First, I think OP would easily be approved for a PRG (check out the current 50k MR for 1k spend offer going around).
Second, the pulls AMEX makes are unpredictable. My partner and I have an identical CR at all 3 CRAs. I was double pulled in SF (EX + TU) for a single PRG app. She was single pulled (EX) for a PRG + SPG. We have the same individual income.
As always, YMMV.
Congrats! See nothing to worry about
@enharu wrote:
Did u app for the blue cash or just the gold in the end?
Vegaskyle: how many HP did they pull for u? Which credit card did you apply for? Did you do it over the phone or online?
Thanks!
I originally applied for just the Green Charge Card on 2/1 and was denied. They pulled all 3 at that time but only listed Experian on the denial letter. Basically havening no open tradelines and no score was the reason given. I was approved for a Wels Fargo Visa card on 1/31 and it reported to Experian on 2/20. I called AMEX yesterday and gave the CS rep the "tracking number" on my denial from 2/1 and told him I now had a tradeline and a score from Experian. I re applied for the Green charge card and was approved and asked CS to process my application for the Gold Delta CC too, I was approved. They hard pulled all three one time for both the Green and Gold Delta CC yesterday. All over the phone.
@teddybearkelli1 wrote:They are definitely not inquiry sensitive, you should fine to go for the gold.
That is definitely YMMV. Amex will decline for INQ's if alot are recent.
@enharu wrote:
So if I apply for the PRG, got approved.... And I apply for the blue cash, if denied, is it going to be a soft pull or another hp?
I have 4 inquiries in the past month due to an auto loan. That's prolly gonna screw me over
Thanks!!!
Just depends on AMEX, they are all over the place on this.