topic Re: American Express in Credit Cards

American Express

Anonymous — Fri, 20 Apr 2012 18:48:33 GMT

I am a current Amex customer I would like to get the hilton rewards (which I feel has the best rewards). However, I do not want another Hard pull on my credit report. Is there any technique or way that you guys know to get around this. I know Amex makes soft pulls every few weeks.. Any help is appreciated thanks

Re: American Express

espnjunkie — Fri, 20 Apr 2012 18:50:55 GMT

If you apply for a new amex card and are accepted it will be a hard pull. If you are denied it will just be a soft pull. ymmv

Re: American Express

Anonymous — Fri, 20 Apr 2012 18:58:26 GMT

I know It will get accepted I guess ill just have to wait and credit garden more.

Re: American Express

Anonymous — Fri, 20 Apr 2012 18:59:21 GMT

@espnjunkie wrote:
If you apply for a new amex card and are accepted it will be a hard pull. If you are denied it will just be a soft pull. ymmv

+1 No way around a HP if you're approved for a new card. You can try asking for a product change but I doubt they will let you convert to a co-branded card from Blue.

Re: American Express

hedgeclipper2 — Fri, 20 Apr 2012 19:17:01 GMT

@Anonymous wrote:
@espnjunkie wrote:
If you apply for a new amex card and are accepted it will be a hard pull. If you are denied it will just be a soft pull. ymmv
+1 No way around a HP if you're approved for a new card. You can try asking for a product change but I doubt they will let you convert to a co-branded card from Blue.

I had a HHonors card with Amex and was able to convert it to BCE. Not sure if you can go the other way. Doesn't hurt to ask. Just send them a message in the secure message center about it. They should tell you what options are available for you to change your card into.

Re: American Express

Anonymous — Fri, 20 Apr 2012 19:31:22 GMT

@hedgeclipper2 wrote:
@Anonymous wrote:
@espnjunkie wrote:
If you apply for a new amex card and are accepted it will be a hard pull. If you are denied it will just be a soft pull. ymmv
+1 No way around a HP if you're approved for a new card. You can try asking for a product change but I doubt they will let you convert to a co-branded card from Blue.
I had a HHonors card with Amex and was able to convert it to BCE. Not sure if you can go the other way. Doesn't hurt to ask. Just send them a message in the secure message center about it. They should tell you what options are available for you to change your card into.

A few months ago I tried converting from SPG to HHonors, no go. They let me PC to any of the Blues and I chose Blue Sky. I asked if it was possible to PC from Blues to HHonors and they said no at the time. If you find out differently please let us know!

Re: American Express

Anonymous — Fri, 20 Apr 2012 20:48:44 GMT

Yep you were right they will not transfer it. Now my next question is the pre approval status does that mean no hard pull??? And I talked to amex and they said its not a pre approval its pre selected. However, It clearly says pre approval? any help on this

Re: American Express

Anonymous — Fri, 20 Apr 2012 20:57:00 GMT

Those preapprovals and preselected only mean that you fit the credit profile that they got from a database. They do not mean that they will approve you for the card, but you may have a good shot at it. You will have to apply thoughand you will get a hard pull, no way around it.