Re: applying for a second amex, HP SP question

Nightfallx · ‎04-06-2012

i already have one amex, if i apped for another would it be a hard pull or a soft pull, i've heard different answers in this forum.

in my wallet:
Amex Zync : NPSL (main card always pif)
Discover More: 6,500$ (no balance)
Chase Sapphire : 5000.00$ (no balance)
Citi Thank You Card backed by Amex 8,200$ (no balance)
Amex Blue Cash 21,000$
Best Buy Store Card : 5,700$ (I'm a nerd so used a lot)

Anonymous · ‎04-06-2012

I think it is typically only a soft pull if you apply and are declined, but it will definitely be a hard pull if you are approved.

FrugalRican · ‎04-06-2012

@Anonymous wrote:
I think it is typically only a soft pull if you apply and are declined, but it will definitely be a hard pull if you are approved.

What Koop said.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Nightfallx · ‎04-06-2012

awesome so if im denied it will only be a soft pull? whew im glad i got denied lol. said my zync was too new.

in my wallet:
Amex Zync : NPSL (main card always pif)
Discover More: 6,500$ (no balance)
Chase Sapphire : 5000.00$ (no balance)
Citi Thank You Card backed by Amex 8,200$ (no balance)
Amex Blue Cash 21,000$
Best Buy Store Card : 5,700$ (I'm a nerd so used a lot)

LS2982 · ‎04-06-2012

@Nightfallx wrote:
i already have one amex, if i apped for another would it be a hard pull or a soft pull, i've heard different answers in this forum.

If you are denied, SP. Approved, HP.

EQ FICO 548 3/3/16

applying for a second amex, HP SP question

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applying for a second amex, HP SP question