topic Re: Amex with no hard pull? in Credit Card Applications

Amex with no hard pull?

Isacking97 — Sun, 01 Jan 2017 16:41:22 GMT

Some people have sad that they getting amex cards (With existing cards) approved with no hard pull, is this real?

Thank You

Amex ED $5,300, Discover Chrome $500, BBPR VISA $300

Re: Amex with no hard pull?

Anonymous — Sun, 01 Jan 2017 16:55:47 GMT

@Isacking97 wrote:
Some people have sad that they getting amex cards (With existing cards) approved with no hard pull, is this real?

Thank You

Amex ED $5,300, Discover Chrome $500, BBPR VISA $300

From what I've read here..

Approved = HP

Denied = No HP

Re: Amex with no hard pull?

Anonymous — Sun, 01 Jan 2017 18:09:38 GMT

@Anonymous wrote:
@Isacking97 wrote:
Some people have sad that they getting amex cards (With existing cards) approved with no hard pull, is this real?

Thank You

Amex ED $5,300, Discover Chrome $500, BBPR VISA $300
From what I've read here..

Approved = HP
Denied = No HP

Correct.

Re: Amex with no hard pull?

Anonymous — Sun, 01 Jan 2017 18:47:57 GMT

@Anonymous wrote:
@Anonymous wrote:
@Isacking97 wrote:
Some people have sad that they getting amex cards (With existing cards) approved with no hard pull, is this real?

Thank You

Amex ED $5,300, Discover Chrome $500, BBPR VISA $300
From what I've read here..

Approved = HP
Denied = No HP
Correct.

so keep app and be upset when you get approved because that's another HP lolz! Celebrate your denial.. hahahaha

Re: Amex with no hard pull?

Anonymous — Sun, 01 Jan 2017 18:52:32 GMT

With an approval there will always be a HP for Amex. With a denial if you're an existing card hold it should only be a SP, unless they feel they need to re-pull your credit report.

Re: Amex with no hard pull?

redpat — Sun, 01 Jan 2017 22:16:43 GMT

Not true. I was approved for my PRG, no HP.

Have Plat and EDP before getting prg

Re: Amex with no hard pull?

thummel — Sun, 01 Jan 2017 22:45:48 GMT

Iv got the PRG and the green charge cards these past couple months with no HP. Applied for the SPG while EX was on ice and they wouldn't process unless I thawed. Got the PRG and the green while EX was on ice and they were instantly approved.

Re: Amex with no hard pull?

rlx01 — Sun, 01 Jan 2017 23:43:21 GMT

Most data points seem to suggest personal charge cards are being approved without hard pulls for some people.

There aren't enough commonalities to make any definitive statements though.

Re: Amex with no hard pull?

padme — Sun, 01 Jan 2017 23:47:05 GMT

I thunk im still blacklisted from a 4 yr bk. never a hP either, no card either

Re: Amex with no hard pull?

Isacking97 — Mon, 02 Jan 2017 00:04:40 GMT

New Evidence

http://www.doctorofcredit.com/amex-credit-card-approvals-without-hard-pull/

Re: Amex with no hard pull?

Anonymous — Mon, 02 Jan 2017 02:58:41 GMT

I app'd for my PRG on 12/24/16. I'm an existing Amex card holder. I'm going to be stoked if it's not an HP. I'm going to give it some more time and report back!

Re: Amex with no hard pull?

Anonymous — Mon, 02 Jan 2017 03:06:14 GMT

@redpat wrote:
Not true. I was approved for my PRG, no HP.

Have Plat and EDP before getting prg

That's awesome! My PRG took a few months before the HP showed, which I was like sweet I didn't get a HP and than all my hopes and dreams were dashed when that HP came through. I have to admite I'm jealous of you

Re: Amex with no hard pull?

mdd0214 — Mon, 02 Jan 2017 14:11:54 GMT

I thought I might have avoided a HP but pulled Experian recently to see what was up. I've been with AmEx for 10 years now and had recently opened a regular ED card to replace my very old Blue Cash since I wanted to start hoarding MRs. In November I apped for an EDP 30k bonus and they pulled Exp. Between November and December I apped for Plat 100k, PRG 50k (same day) and then regular Gold 25k & Green 25k (same day, a few weeks later). Approved instantly for all of these charge cards with no further HP after the EDP. Had some big spending to do around holidays and now sitting on a ton of MRs. It may be that these were charge cards, but 4 additional cards on a prior pull over the course of a month is pretty awesome.

Re: Amex with no hard pull?

Anonymous — Mon, 02 Jan 2017 16:15:55 GMT

Interesting. Were these target offers from Amex? Or just cold apps for new cards?

Re: Amex with no hard pull?

mdd0214 — Mon, 02 Jan 2017 16:51:40 GMT

@Anonymous wrote:
Interesting. Were these target offers from Amex? Or just cold apps for new cards?

Cold apps all through incognito for highest signup bonus. Only Plat & EDP had annual fee, rest were waived. EDP & Plat 3k spend PRG 2k spend and Gold/Green were 1k spend.

Re: Amex with no hard pull?

Anonymous — Fri, 09 Feb 2018 23:54:43 GMT

got approved without a hard pull so its true

Re: Amex with no hard pull?

Anonymous — Sat, 10 Feb 2018 00:08:10 GMT

The thread is over a year old.

Re: Amex with no hard pull?

corymcd88 — Sat, 10 Feb 2018 02:53:55 GMT

wrote:
Some people have sad that they getting amex cards (With existing cards) approved with no hard pull, is this real?

Thank You

Amex ED $5,300, Discover Chrome $500, BBPR VISA $300

I got SPG in Aug 2017 and BE in Feb 2018 both SP and an EX FICO 776 and cards since 2011.

Re: Amex with no hard pull?

Anonymous — Sat, 10 Feb 2018 15:21:09 GMT

Data Point: Targeted PRG (50K) approval in January 2018 with no HP (thus far).

Re: Amex with no hard pull?

Mahraja — Sat, 10 Feb 2018 19:39:08 GMT

if you are pre approved for other accounts within the account dashboard than there is no HP for sure even if you apply that same card without log on from private browser (safari etc for better sign up bonus)