Established Member
texaspete2012
Posts: 61
Registered: ‎04-27-2012
Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Just a guess here, but I think that upgrade matrix (cards available to upgrade, what features you want, etc) they might go ahaed and do the hard pull. I was always under the impression it was soft if you had been a member. 

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (7000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

armbenderc wrote:

This doesn't add up to what I've read on here. I thought if you're a card member already, it's a SP on denied and a HP on approval.

 

I am planing to app in mid/end of 2013. I would like to know more.


Exactly, that's why I posted this...it's contrary to what is being discussed on this site...

Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

Yeah I'm not sure the issue. A quick call to AMEX might enlighten the situation.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card
I'll give them a call to see what's up
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Established Member
texaspete2012
Posts: 61
Registered: ‎04-27-2012
Lets us know

Lets us know

Amex Gold (NSL) 9/12
Chase Freedom (2200) 5/12
Citi Thank You Pref. (7000) 4/12
USAA AMEX (4000) 11/12
BOA VISA SIG CASH (5000) 12/12
Amex Gold Small Biz (NSL) 11/12
Valued Contributor
armbenderc
Posts: 1,337
Registered: ‎09-11-2012
Re: Lets us know

Any update?

 

So how did you app? Logging in and apply? or did it as a new member?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011
Re: 2 Hard Pulls on Amex denial??? I already have a Gold Card

That goes to show that nothing is written in stones. I guess we all have to wait and see what they tell you. Good luck.