topic Re: Received an AMEX Mail Offer does it do a HP on the application? in Credit Card Applications

Received an AMEX Mail Offer does it do a HP on the application?

TheCreditMinder — Mon, 21 Feb 2022 18:16:44 GMT

Hi there,

I recently got an American Express Mail Offer for the Delta SkyMiles Gold Card with a 75k Sign On bonus after spending $2,000 Dollars. I have read multiple threads saying that American Express Customers only get a soft pull on their Credit Reports but in my case it's different since I did have an American Express Costco Card back in 2008 but I closed it in 2010. I do have a Business Checking Account with them but that is pretty much it.

Does anyone know if I will get a HP after responding to this mail offer?

Re: Received an AMEX Mail Offer does it do a HP on the application?

dragontears — Mon, 21 Feb 2022 18:18:07 GMT

@TheCreditMinder wrote:
Hi there,

I recently got an American Express Mail Offer for the Delta SkyMiles Gold Card with a 75k Sign On bonus after spending $2,000 Dollars. I have read multiple threads saying that American Express Customers only get a soft pull on their Credit Reports but in my case it's different since I did have an American Express Costco Card back in 2008 but I closed it in 2010. I do have a Business Checking Account with them but that is pretty much it.

Does anyone know if I will get a HP after responding to this mail offer?

Yes, you will get a HP

Re: Received an AMEX Mail Offer does it do a HP on the application?

TheCreditMinder — Mon, 21 Feb 2022 18:48:42 GMT

Thank you! Do you also know what Credit Bureau they pull the Credit Report from?

Re: Received an AMEX Mail Offer does it do a HP on the application?

dragontears — Mon, 21 Feb 2022 18:50:17 GMT

@TheCreditMinder wrote:
Thank you! Do you also know what Credit Bureau they pull the Credit Report from?

EX, occasionally TU as well.

Re: Received an AMEX Mail Offer does it do a HP on the application?

coldfusion — Mon, 21 Feb 2022 18:50:37 GMT

@dragontears wrote:
@TheCreditMinder wrote:
Hi there,

I recently got an American Express Mail Offer for the Delta SkyMiles Gold Card with a 75k Sign On bonus after spending $2,000 Dollars. I have read multiple threads saying that American Express Customers only get a soft pull on their Credit Reports but in my case it's different since I did have an American Express Costco Card back in 2008 but I closed it in 2010. I do have a Business Checking Account with them but that is pretty much it.

Does anyone know if I will get a HP after responding to this mail offer?
Yes, you will get a HP

Correct. You are not a current cardholder.

Also, comments that current cardholders only get soft pulls when applying for new AMEX cards are wrong. While that is the most likely outcome there are multiple members here including myself that have firsthand experience demonstrating that isn't always the case.

Re: Received an AMEX Mail Offer does it do a HP on the application?

TheCreditMinder — Mon, 21 Feb 2022 18:51:44 GMT

EX as in Experian or Equifax?

Re: Received an AMEX Mail Offer does it do a HP on the application?

coldfusion — Mon, 21 Feb 2022 18:57:52 GMT

EX == Experian. Equifax == EQ.

Here is a link that lists many of the abbreviations commonly used on the site and their meanings.

https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458