topic Re: American Express Soft Pulls in Credit Card Applications

American Express Soft Pulls

MCM1 — Wed, 08 Jun 2022 00:20:27 GMT

Is there a time that you need to wait after getting your first Amex account before applying for another and having it only be a soft pull?

Re: American Express Soft Pulls

coldfusion — Wed, 08 Jun 2022 01:16:02 GMT

No.

There isn't any established guidance that can help point to what conditions may lead to increased odds of an existing cardholder taking another hard pull when applying for an additional AMEX card, only that the odds are very high that it would be only a soft pull.

Re: American Express Soft Pulls

pgates — Wed, 08 Jun 2022 03:32:29 GMT

I needed to know this as well thanks. Seems that once your a cardholder you can longer access the pre qualification site as well. Maybe someone else can chime in on this . Is there a way to get pre qualified for another card once you're already a cardholder?

Re: American Express Soft Pulls

OmarGB9 — Wed, 08 Jun 2022 03:37:57 GMT

@pgates wrote:
I needed to know this as well thanks. Seems that once your a cardholder you can longer access the pre qualification site as well. Maybe someone else can chime in on this . Is there a way to get pre qualified for another card once you're already a cardholder?

Log into your online account. Go to the top left corner and hit Menu --> All Cards --> Click Apply for any you're interested in. On the next page, it'll either say "Expanding your membership is easy..." or "Congrats! You're pre approved!" That's how you'll know.

Re: American Express Soft Pulls

pgates — Wed, 08 Jun 2022 03:42:06 GMT

@OmarGB9 Thank you!

Re: American Express Soft Pulls

Suzette2 — Wed, 08 Jun 2022 11:51:34 GMT

@OmarGB9 wrote:
@pgates wrote:
I needed to know this as well thanks. Seems that once your a cardholder you can longer access the pre qualification site as well. Maybe someone else can chime in on this . Is there a way to get pre qualified for another card once you're already a cardholder?
Log into your online account. Go to the top left corner and hit Menu --> All Cards --> Click Apply for any you're interested in. On the next page, it'll either say "Expanding your membership is easy..." or "Congrats! You're pre approved!" That's how you'll know.

Yep. I got the delta platinum sky miles after only a month and a half

Re: American Express Soft Pulls

bigseegar — Wed, 08 Jun 2022 16:29:38 GMT

AmEx "technically" has a 1 card in 5 day and a 2 cards in 90 days Rule. It does not apply to their charge cards only credit cards. But they also don't always seem to go by it. But on a pre-approval a 2nd card would probably not show up during those periods

Re: American Express Soft Pulls

mwrobers — Sun, 12 Jun 2022 08:19:54 GMT

As data points; these are the dates of my approvals and a denial: 24 MAR: Delta Reserve - (Double hard pull) 29 APR: Platinum - (SP) 2 MAY: Hilton Surpass - (SP) Also applied for Platimum 25 MAR: Hadn't read the pre-approval terminology and got a hard pull denial -- I got the, "Expanding your membership is easy" message before I knew what it meant). I still have pre-approvals for multiple cards, but I'm working on meeting the current SUBs.

Re: American Express Soft Pulls

CerebralZulu — Wed, 15 Jun 2022 11:33:59 GMT

Wow, thanks. Never knew the "Expand your membership." verbage equated to a hard pull. Added to the knowledge base. :-)

Re: American Express Soft Pulls

OmarGB9 — Wed, 15 Jun 2022 13:19:40 GMT

@CerebralZulu wrote:
Wow, thanks. Never knew the "Expand your membership." verbage equated to a hard pull. Added to the knowledge base. :-)

@CerebralZulu

That's not what that means. The "Expand your membership" verbiage simply means you're not prequalified at this time for said card. You may or may not still be approved. As for the HP, in *most* cases existing cardholders will only incur an SP, but there are a few members here who have been HP'd for new accounts even as existing cardholders.

Re: American Express Soft Pulls

MCM1 — Wed, 15 Jun 2022 13:26:21 GMT

Which of these applications were approved and which were denied? Was the March 24th Delta card your first Amex account?

Re: American Express Soft Pulls

coldfusion — Wed, 15 Jun 2022 14:08:21 GMT

@OmarGB9 wrote:
@CerebralZulu wrote:
Wow, thanks. Never knew the "Expand your membership." verbage equated to a hard pull. Added to the knowledge base. :-)
@CerebralZulu
That's not what that means. The "Expand your membership" verbiage simply means you're not prequalified at this time for said card. You may or may not still be approved. As for the HP, in *most* cases existing cardholders will only incur an SP, but there are a few members here who have been HP'd for new accounts even as existing cardholders.

Correct on both counts, and I can confirm from personal experience that they sometimes do HP an existing cardholder even when the profile is thick and clean.