topic Re: Approved for 2 Amex Cards - No Hard Pull? in Credit Card Approvals

Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 14:58:13 GMT

I was previously approved for a BCE in January 2017. Last Monday, I applied and was approved for both the PRG and ED cards. I used incognito mode to trigger the better sign-up bonus offers so I did not apply directly through my existing amex account. I have daily Experian tracking and was surprised that I did not get an inquiry alert after my approvals. I received an alert for BCE immediately after approval.

Now it's been almost a week and my only inquiry on my Experian report (generated as of today) is the 1 from January for the BCE. My intentions were to do a double-app for 1 hard pull. So it seems too good to be true that I get 2 approvals with no hard pull.

I did request a 3x CLI (approved) on my BCE right before applying for the 2 additional cards. Not sure if that has anything to do with it.

Is this common? Should I expect a hard pull later at some point? I want to get excited about somehow getting lucky!

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 15:02:00 GMT

@Anonymous wrote:
I was previously approved for a BCE in January 2017. Last Monday, I applied and was approved for both the PRG and ED cards. I used incognito mode to trigger the better sign-up bonus offers so I did not apply directly through my existing amex account. I have daily Experian tracking and was surprised that I did not get an inquiry alert after my approvals. I received an alert for BCE immediately after approval.

Now it's been almost a week and my only inquiry on my Experian report (generated as of today) is the 1 from January for the BCE. My intentions were to do a double-app for 1 hard pull. So it seems too good to be true that I get 2 approvals with no hard pull.

I did request a 3x CLI (approved) on my BCE right before applying for the 2 additional cards. Not sure if that has anything to do with it.

Is this common? Should I expect a hard pull later at some point? I want to get excited about somehow getting lucky!

Congrats on the approvals. The HP(s) may still show up but there has been quite a few reports in the last few months of people being approved for new cards without a HP. There doesn't appear to be any consistency of why or when it happens but you may have got lucky this time.

Re: Approved for 2 Amex Cards - No Hard Pull?

redpat — Sun, 19 Mar 2017 16:12:40 GMT

You may have gotten lucky and congrats on a freebie.

I got my PRG in December no HP and Bus Plat last week, no HP yet (pre-appoved on this one though).

Re: Approved for 2 Amex Cards - No Hard Pull?

K-in-Boston — Sun, 19 Mar 2017 16:16:49 GMT

I cold apped for my SPG 5 days ago and still no HP. I think for many existing customers thay are no longer doing HPs. I don't think an additional HP would have made any difference in my scores, but the new account sting will still be there without backdating.

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 16:39:56 GMT

I wish I was that darn lucky. I got an invite for the PRG and it went into review. I called to inquire on the status and they told me because EX report is frozen they can't process my application . At that point I didn't feel like arguing so I asked to cancel the app.

I guess some can get app'd with a SP or take the risk of a HP.

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 17:14:50 GMT

You definitely may be one of those recent lucky ones who got away without an HP.

They HP'd me for the SPG business in January, and the Blue for Business in February though so they do not seem to be done with member-HP's altogether yet.

Re: Approved for 2 Amex Cards - No Hard Pull?

K-in-Boston — Sun, 19 Mar 2017 18:02:28 GMT

wanderingbuilder, I have not heard of them skipping the HP on business accounts so perhaps it's a business vs personal thing?

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 18:35:52 GMT

Reading this post made me realize I did not get a hard pull when I added an Am Ex Everyday card 2 weeks ago. I also used the incognito app for a better sign up bonus, not through my existing account. Hmmmm... interesting.

Re: Approved for 2 Amex Cards - No Hard Pull?

AverageJoesCredit — Sun, 19 Mar 2017 19:06:38 GMT

Dog, the Amex bounty hunter, 3 for 1, welcome to myFico lore

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Sun, 19 Mar 2017 19:47:43 GMT

@K-in-Boston wrote:
wanderingbuilder, I have not heard of them skipping the HP on business accounts so perhaps it's a business vs personal thing?

very possibly. I don't currently want to add any personal Amex cards because I'm trying to hold out to be under 5/24 for next year August so I can pick up my final few Chase cards, otherwise I would guinnea pig that theory with a Delta card or something.

Re: Approved for 2 Amex Cards - No Hard Pull?

K-in-Boston — Sun, 19 Mar 2017 22:39:50 GMT

Of course I missed that redpat mentioned no HP for the business card in this thread, but there was a preapproval. My wife got a HP for her ED last year - technically her first AmEx account although she has been an AU on my Plat/PRG/Blue accounts since 2003 (and her Member Since date is 2003), but that and my SPG are the only two actual apps we've had with AmEx in nearly 15 years since I wouldn't count the PCs from Green Rewards (which I am almost positive is now just "Green" and the old green without MRs was discontinued) to Platinum and gold to PRG. It would be interesting to read if any other existing customers have made cold apps without a HP.

Not sure this was worth starting a new thread on, but since there are many here with new additional accounts I thought it may be worth mentioning. On the Account Services tab for my SPG, I went to Credit Management and Transfer Available Credit To Another Card. I was able to instantly transfer $4k of my Blue to my new SPG.

You can request to have a portion of your available credit transferred between two of your eligible consumer credit cards, between two of your eligible business credit cards or from your eligible consumer credit card to business credit card.

Correct limits showed immediately on the website and app. It lets you transfer any amount in $100 increments as long as you leave at least a $500 credit line. I decided to leave $5000 on the Blue since I'm trying to keep my minimum CLs there <shakes fist at Kohl's and Target>.

Re: Approved for 2 Amex Cards - No Hard Pull?

redpat — Mon, 20 Mar 2017 01:09:53 GMT

@K-in-Boston wrote:
Of course I missed that redpat mentioned no HP for the business card in this thread, but there was a preapproval. My wife got a HP for her ED last year - technically her first AmEx account although she has been an AU on my Plat/PRG/Blue accounts since 2003 (and her Member Since date is 2003), but that and my SPG are the only two actual apps we've had with AmEx in nearly 15 years since I wouldn't count the PCs from Green Rewards (which I am almost positive is now just "Green" and the old green without MRs was discontinued) to Platinum and gold to PRG. It would be interesting to read if any other existing customers have made cold apps without a HP.

Not sure this was worth starting a new thread on, but since there are many here with new additional accounts I thought it may be worth mentioning. On the Account Services tab for my SPG, I went to Credit Management and Transfer Available Credit To Another Card. I was able to instantly transfer $4k of my Blue to my new SPG.

You can request to have a portion of your available credit transferred between two of your eligible consumer credit cards, between two of your eligible business credit cards or from your eligible consumer credit card to business credit card.

Correct limits showed immediately on the website and app. It lets you transfer any amount in $100 increments as long as you leave at least a $500 credit line. I decided to leave $5000 on the Blue since I'm trying to keep my minimum CLs there <shakes fist at Kohl's and Target>.

I was pre-approved for BRG and Bus plat offer of 75k w/ 5k spend. I took b plat for the 50% MR redemption perk for airline booking on their travel portal. No HP yet and it's been a week. I'll keep my personal plat if I get another retention offer of 25k. Last year this card was basically free because of that offer. We will see in June.

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Mon, 20 Mar 2017 01:25:54 GMT

Thanks guys for the replies. Definitely sounds like I just got lucky which is awesome! 3 cards 1 hard pull

Re: Approved for 2 Amex Cards - No Hard Pull?

Anonymous — Mon, 20 Mar 2017 22:57:50 GMT

I haven't seen an HP for my PRG that I app'd for in December. I was an existing card member if that makes a difference..