topic Re: Is apply for second Amex a Soft pull in Credit Card Applications

Is apply for second Amex a Soft pull

frank784 — Wed, 25 Apr 2018 23:50:03 GMT

Got approved for an Amex Delta Platinum a few weeks ago with a 5K limit. Was looking on here and it seems to be that you can apply for a second card and it's a soft pull? Can anyone confirm this?

Thanks in advance.

Re: Is apply for second Amex a Soft pull

Anonymous — Thu, 26 Apr 2018 00:23:42 GMT

Existing card member:

______, you are pre-approved - SP

Applying to expand your membership - roll the dice

YMMV.

Re: Is apply for second Amex a Soft pull

Anonymous — Thu, 26 Apr 2018 12:36:38 GMT

It typically is a SP only if you have established enough history on your first account. My third AMEX card was approved via SP and also is my highest CL to date, but the first two apps have been HP on EX. Your account is new. Give it some time and use the card to give them an idea of your spend patterns and eventually your next cards will get approved hopefully via SP.

Re: Is apply for second Amex a Soft pull

Anonymous — Thu, 26 Apr 2018 12:53:56 GMT

My very first AMEX was a HP of course, but after that, every single CC has been a SP. Been with them since '05

I would give it a least 3 months and apply. Show some history like others have said

Re: Is apply for second Amex a Soft pull

Anonymous — Thu, 26 Apr 2018 15:16:54 GMT

Unless you double apped in the same day I believe it's a soft pull, or if you've already had history and apply for another card.

I applied last Friday for the Blue Cash Everyday and the Delta SkyMiles yesterday, 2 hardpulls on Experian

Re: Is apply for second Amex a Soft pull

jlitnns — Thu, 26 Apr 2018 15:39:00 GMT

Opened BCP with a HP in June 2017, App'd for BCE in Jan and HHonors Ascend in April and 0 HP's.

Re: Is apply for second Amex a Soft pull

Meanmchine — Fri, 27 Apr 2018 01:36:04 GMT

@Anonymous wrote:
Existing card member:
______, you are pre-approved - SP
Applying to expand your membership - roll the dice
YMMV.

The above is correct but add the following

App and get denied = always a SP regardless of how you apply

Re: Is apply for second Amex a Soft pull

Anonymous — Fri, 27 Apr 2018 16:10:08 GMT

My 2nd and 3rd were both SP approvals; 1st Amex was almost 2 years old then though

Re: Is apply for second Amex a Soft pull

Anonymous — Tue, 01 May 2018 18:43:26 GMT

Another thing to note is that it seems (from my experience) that when they SP for application for the new card (existing card member with preapproval showing), they use a score that is about 3 weeks behind. When I apped the Hilton Honors, Amex and Myfico app were showing my EX at 681. When I got the card in the mail, they used an older score of 669 which was 3-4 weeks behind.

Re: Is apply for second Amex a Soft pull

Anonymous — Tue, 01 May 2018 18:51:26 GMT

Correct. The report/scores used by the underwriters are usually about 3 weeks behind the scores displayed in your account. If you've ever been denied by Amex, an easy way to tell the approximate date when they do the monthly soft pull is to look at the date of the pull mentioned in the denial letter.

@Anonymous wrote:
Another thing to note is that it seems (from my experience) that when they SP for application for the new card (existing card member with preapproval showing), they use a score that is about 3 weeks behind. When I apped the Hilton Honors, Amex and Myfico app were showing my EX at 681. When I got the card in the mail, they used an older score of 669 which was 3-4 weeks behind.