topic Re: New AMEX account - no hard pull in Credit Cards

New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 12:59:49 GMT

Hey folks, I thought I would share with you that I was approved for last week for an AMEX Hilton card and a week later still have not seen a hard inquiry on my CRs. I saw that there was a soft pull done on September 7th but nothing beyond that. I already have a PRG with them. Do you all think this is a new AMEX policy to only do soft pulls on new accounts for existing customers? Has anyone else had this experience?

Re: New AMEX account - no hard pull

CreditCuriosity — Tue, 12 Sep 2017 13:31:57 GMT

Many data points recently that more-so than not recent approvals for exisiting card members are SP's.. Although some still get hit with a HP for whatever various reason. I have had two soft pull approvals on busienss cards recently. Not sure if it is a cost savings thing or just a favor for exisiting card members, but welcomed none-the-less.. The HP isn't so bad it is more so an AAoA that stings more IMO.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 13:35:55 GMT

I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 13:41:11 GMT

@Anonymous wrote:
I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

When was the last time that you applied and were approved and received the HP? It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

Re: New AMEX account - no hard pull

Gmood1 — Tue, 12 Sep 2017 13:42:35 GMT

As CC says, lately many folks have reported SPs. I received one as well two months ago on a new Anex card. No HP and the TL is hidden! A double win in my book!

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 13:49:08 GMT

@Anonymous wrote:
@Anonymous wrote:
I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!
When was the last time that you applied and were approved and received the HP? It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

Oh man...probably 10 plus months ago I had app-ed for the Hilton? I think it was right around the time I heard they started doing SP's, but I received a HP.

PS- Irish, did you watch the ND game? Were you as frustrated as I was? I miss the days of when I was a student/had season tickets/and they were good

Edit to add: I was approved for the Hilton. If I needed a new Amex card I would test the waters to see if I would get a SP...

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 13:55:19 GMT

Definitely an interesting new development! I wondered why the application process was so easy. Literally all the asked me for was my updated income. I wish they had given me a better starting limit though. The approval was based on my EX score from 35 points ago :-/.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 14:01:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!
When was the last time that you applied and were approved and received the HP? It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.
Oh man...probably 10 plus months ago I had app-ed for the Hilton? I think it was right around the time I heard they started doing SP's, but I received a HP.

PS- Irish, did you watch the ND game? Were you as frustrated as I was? I miss the days of when I was a student/had season tickets/and they were good

Edit to add: I was approved for the Hilton. If I needed a new Amex card I would test the waters to see if I would get a SP...

Yes, unfortunately I watched and was depressed afterwards as is the norm these days, I too long for the football program that existed when I was there. A lot has changed at ND and imho, most of it is not good.

Re: New AMEX account - no hard pull

shoegal — Tue, 12 Sep 2017 15:05:42 GMT

My first Amex the Everyday was a hard pull. I got it at the end of June 2017. My BCE a month later (July) was an SP approval. The PRG was a targeted offer from Amex (posted on the "offers" section with a specific bonus) and was also an SP approval in August. At the end of August, I got an offer for the Platinum card and I didn't like how low it was so I researched and got the good bonus to show on incognito and was approved with an SP too.

Re: New AMEX account - no hard pull

jesseh — Tue, 12 Sep 2017 15:21:22 GMT

Interesting!

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 16:58:37 GMT

3 of my 4 Amex accounts have been SPs. i only have two HPs on my EX. My BCP was my first with a hard pull. a few months later I got a mailer for the PRG, approved, no hard pull. A couple months after that I tried Delta Gold and got denied. Hard pull didnt hit until I tried a recon. Tried Delta again when they had the 60K bonus and was approved with a soft pull. Finally just last week, I got the SPG with a soft pull. Seems to be the new trend with existing card members.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 17:05:47 GMT

It took a while but Amex finally showed an HP for my PRG back in December. I had a BCE since 2011..

Re: New AMEX account - no hard pull

MrDisco99 — Tue, 12 Sep 2017 17:08:07 GMT

I got three cards on the same day (EDP, PRG, green) with no HP.

I love Amex, and they apparently love me.

Also, Go Dawgs!

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 17:50:04 GMT

@MrDisco99 wrote:
I got three cards on the same day (EDP, PRG, green) with no HP.

I love Amex, and they apparently love me.

Also, Go Dawgs!

Are you looking to be banned?

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 17:57:23 GMT

Hey Mr Disco, Go Dawgs my friend.

And Irish I dont want to be banned either but I think we can both agree it was sloppy game on both sides....

Re: New AMEX account - no hard pull

heyryan — Tue, 12 Sep 2017 18:03:11 GMT

@Anonymous wrote:
Hey folks, I thought I would share with you that I was approved for last week for an AMEX Hilton card and a week later still have not seen a hard inquiry on my CRs. I saw that there was a soft pull done on September 7th but nothing beyond that. I already have a PRG with them. Do you all think this is a new AMEX policy to only do soft pulls on new accounts for existing customers? Has anyone else had this experience?

I've had a charge card since 2014 with them, and I got the biz Delta and Starwood cards last year - both were a HP. Not sure if it makes a difference with one product vs another, or biz vs personal, but consider yourself lucky to save the hit

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 18:23:16 GMT

Here is what happened to me

In July got a PRG and got a hard pull. A week later I got a BCE and no hard pull. Then last week I got Amex Platinum and got a hard pull. Yesterday I got the SPG and no hard pull. Not like it makes any difference. At my hard pull count additional hard pulls do not affect my score. The 2 new accounts that reported lowered my score by 2 points and then them month changed and I got the 2 points back.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 19:00:41 GMT

@Anonymous wrote:
@Anonymous wrote:
I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!
When was the last time that you applied and were approved and received the HP? It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

I know this is a different product but still Amex but they recently offered me a loan that explicitly stated SP only.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 19:26:23 GMT

@Anonymous wrote:
Here is what happened to me

In July got a PRG and got a hard pull. A week later I got a BCE and no hard pull. Then last week I got Amex Platinum and got a hard pull. Yesterday I got the SPG and no hard pull. Not like it makes any difference. At my hard pull count additional hard pulls do not affect my score. The 2 new accounts that reported lowered my score by 2 points and then them month changed and I got the 2 points back.

I got the reverse, BCE (first account since Amex sold Costco to Citi) in April was HP, Simply Cash in May another HP, last week BCP was SP.

Re: New AMEX account - no hard pull

Anonymous — Tue, 12 Sep 2017 19:33:46 GMT

@Anonymous wrote:
Definitely an interesting new development! I wondered why the application process was so easy. Literally all the asked me for was my updated income. I wish they had given me a better starting limit though. The approval was based on my EX score from 35 points ago :-/.

I just applied for the new delta blue amex card today and it was a SP. All they asked was for my income and assets. Then I was approved. I was disapointed in the limit as well.