topic Re: Hard pull with amex? in Credit Card Applications

Hard pull with amex?

Anonymous — Wed, 22 Jun 2016 17:36:15 GMT

I got approved for a amex card yesterday and want to apply for another today will it be two hard pulls both are credit cards

Re: Hard pull with amex?

Anonymous — Wed, 22 Jun 2016 18:03:40 GMT

@Anonymous wrote:
I got approved for a amex card yesterday and want to apply for another today will it be two hard pulls both are credit cards

Welcome to the forums.

No way to know for sure but there is a good chance that it will be another HP

Re: Hard pull with amex?

Anonymous — Wed, 22 Jun 2016 18:10:43 GMT

Not 100% sure but I feel like the threads I've seen have been 1 hp for a charge and a revolver. Can't remember seeing any for two revolvers...

Re: Hard pull with amex?

RonM21 — Wed, 22 Jun 2016 23:42:56 GMT

I think it could be a HP also. But as stated it could vary.

Re: Hard pull with amex?

Anonymous — Thu, 23 Jun 2016 03:37:06 GMT

@Anonymous wrote:
I got approved for a amex card yesterday and want to apply for another today will it be two hard pulls both are credit cards

Depends what kind of card you applied for already, and which you want to apply for today.

If you apply for two of the same type (revolver, charge) within the same 5 day period they will put the 2nd one on hold until 5 days from the first application has passed, then do a new HP.

You can usually get away with a single HP for 1 charge and 1 revolver on the same day though.

Re: Hard pull with amex?

Anonymous — Thu, 23 Jun 2016 04:09:42 GMT

IMO if you want a card then expect a pull and be happy if there isn't one. HPs shouldn't determine your card choices. HPs are temporary

Re: Hard pull with amex?

Anonymous — Thu, 23 Jun 2016 06:10:11 GMT

I applied for Delta and Hilton 6 days apart, approved for both, one HP.

Re: Hard pull with amex?

Anonymous — Thu, 23 Jun 2016 22:54:05 GMT

@Anonymous wrote:
I applied for Delta and Hilton 6 days apart, approved for both, one HP.

Really? Hmmmmm... good to know.

Re: Hard pull with amex?

UncleB — Fri, 24 Jun 2016 09:05:44 GMT

@Anonymous wrote:
I applied for Delta and Hilton 6 days apart, approved for both, one HP.

I've read of several people who were able to get lucky like this, but it's not the 'norm' for folks here by any means.

The most predictable (if you can call it that) way to get "2 for 1" is a charge and a revolver applied for in the same day - I've done this twice now and both times it was only one HP, and many other folks here have done this as well.

Of course with most things credit YMMV and it's certainly not guaranteed; just as some people have reported applying days apart and still only getting one HP, some people have reported getting two HPs for two apps in the same day. In either case I would simply say to prepare for a HP for each app, and be pleased if it turns out to only be one.