topic Re: Amex soft pull approvals for current card holders in Credit Card Applications

Amex soft pull approvals for current card holders

Isacking97 — Sun, 09 Apr 2017 19:47:50 GMT

I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

About 3 to 4 days has past and my fico does not reflect any hard inq..

I have excellent payment history with amex and a of EX 728.

This is normal?

Re: Amex soft pull approvals for current card holders

Anonymous — Fri, 14 Apr 2017 22:43:46 GMT

@Isacking97 wrote:
I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

About 3 to 4 days has past and my fico does not reflect any hard inq..

I have excellent payment history with amex and a of EX 728.

This is normal?

Yeah I believe you are safe for a SP. In May of 2016 I got my Delta Gold(HP) and then January 2017 got my BCP(SP) and same day got my Patinum(SP). As of today, no HP have shown up.....Congrats!!..

Re: Amex soft pull approvals for current card holders

601flyguy — Sun, 09 Apr 2017 20:26:11 GMT

Interesting...

Re: Amex soft pull approvals for current card holders

Anonymous — Mon, 10 Apr 2017 00:18:20 GMT

The HP showed up a few days latter for me after I was approved. I've always been under the impression that it's a HP if approved. Hopefully you slid under the radar!

Re: Amex soft pull approvals for current card holders

Anonymous — Fri, 14 Apr 2017 19:42:26 GMT

I applied for the BCP in Feb and was approved with a HP. Then on 4/11 i recieved a prescreened offer for the PRG and was also approved but as of writing this, I have yet to see an alert for a HP.

Re: Amex soft pull approvals for current card holders

Anonymous — Fri, 14 Apr 2017 20:21:24 GMT

What has been strange for me is that I applied for my first Amex (BCE) in January. That was a hard pull.

I was approved for 3 different amex cards in March through incognito offers. As of today, my only inquiry on my EX report is the app from January.

Re: Amex soft pull approvals for current card holders

Anonymous — Fri, 14 Apr 2017 22:18:18 GMT

Obviously I had a HP on my BCE. Three months after getting it I applied and was instantly approved for the EDP without ever getting a HP.

Re: Amex soft pull approvals for current card holders

Anonymous — Fri, 14 Apr 2017 22:39:36 GMT

@Isacking97 wrote:
I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

About 3 to 4 days has past and my fico does not reflect any hard inq..

I have excellent payment history with amex and a of EX 728.

This is normal?

I applied and was approved for my first Amex card (BCP) April 2016 in which I received an HP. I applied and was approved for my Amex Plat on 3/14 and have yet to see any HP reported. I'm assuming a month into it that they must have just SP'd me?

Re: Amex soft pull approvals for current card holders

AllCredit — Fri, 14 Apr 2017 22:41:32 GMT

All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...

Re: Amex soft pull approvals for current card holders

Anonymous — Sat, 15 Apr 2017 00:02:34 GMT

@AllCredit wrote:
All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...

From reading all of this, HP's seem to be hit/miss. I have HP's for all of my AMEX approvals.

Re: Amex soft pull approvals for current card holders

Anonymous — Sat, 15 Apr 2017 00:51:56 GMT

Only correlation I see is the second card with no hard pull is a charge card.

Maybe the span of time for combined inquiries is larger than we thought?

Re: Amex soft pull approvals for current card holders

olehammer — Sun, 16 Apr 2017 12:24:14 GMT

Approved for Hilton Surpass two weeks ago, first statement has cut. This is my fourth AMEX and so far no HP!!

Re: Amex soft pull approvals for current card holders

Anonymous — Sun, 16 Apr 2017 12:39:51 GMT

@Anonymous wrote:
Only correlation I see is the second card with no hard pull is a charge card.

Maybe the span of time for combined inquiries is larger than we thought?

My first card was Delta Gold (HP), second card was BCP (SP) then Platium (SP) so maybe not....????

Re: Amex soft pull approvals for current card holders

Isacking97 — Sun, 16 Apr 2017 14:50:59 GMT

@Anonymous wrote:
Only correlation I see is the second card with no hard pull is a charge card.

Maybe the span of time for combined inquiries is larger than we thought?

No, first and second cards are credit

Re: Amex soft pull approvals for current card holders

Isacking97 — Sun, 16 Apr 2017 14:52:49 GMT

@Anonymous wrote:
@AllCredit wrote:
All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...
From reading all of this, HP's seem to be hit/miss. I have HP's for all of my AMEX approvals.

What are your scores?

Re: Amex soft pull approvals for current card holders

Anonymous — Sun, 16 Apr 2017 15:27:17 GMT

@Isacking97 wrote:
@Anonymous wrote:
@AllCredit wrote:
All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...
From reading all of this, HP's seem to be hit/miss. I have HP's for all of my AMEX approvals.
What are your scores?

Now? Somewhere between 720-750... Back then, 680-720