topic Re: No SPs from Amex??? in Credit Cards

No SPs from Amex???

youngandcreditwrthy — Tue, 06 Nov 2012 01:01:00 GMT

So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm

Re: No SPs from Amex???

Anonymous — Tue, 06 Nov 2012 01:03:18 GMT

they don't SP you every day if that's what you're wondering.

@youngandcreditwrthy wrote:
So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm

Re: No SPs from Amex???

youngandcreditwrthy — Tue, 06 Nov 2012 02:15:04 GMT

Idk if you're being serious or not, but of course that's not what I meant...

I mean that they have not sp'ed my TU report at all in over a month! Not at all.... Weird to have NO sps from an existing creditor, esp. since most creditors sp a few times within the first few weeks of approval. Hmm

Re: No SPs from Amex???

Walt_K — Tue, 06 Nov 2012 03:06:41 GMT

Have you looked at EX? That's who they usually pull for approval. I've never paid attention if they soft all my reports or just EX.

Re: No SPs from Amex???

webhopper — Tue, 06 Nov 2012 03:08:29 GMT

In my experience they softed me every two months on ex.... ymmv...

Re: No SPs from Amex???

Repo-ed — Tue, 06 Nov 2012 03:29:52 GMT

i would look at your ex cr

Re: No SPs from Amex???

gettnthere — Tue, 06 Nov 2012 03:41:36 GMT

AMEX has SP'd my EX CR 6 times since june

Re: No SPs from Amex???

youngandcreditwrthy — Tue, 06 Nov 2012 03:44:08 GMT

Nah... I haven't checked Exp. I just tried to pull that report, and the CRA wants me to call in :-/ lol. I'll wait til I'm closed to my 61 day then request it so I can what sp they will base my 3xcli approval on. Hahah. They based my approval on TU though, which is why I thought they'd be sp'ing TU.

Thanks :-)

Re: No SPs from Amex???

RonDawg — Tue, 06 Nov 2012 04:24:31 GMT

@youngandcreditwrthy wrote:
So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm

They SP my EX file BTW that was the same file they used to approve my accounts.

Re: No SPs from Amex???

Anonymous — Tue, 06 Nov 2012 04:34:31 GMT

I'd have to agree with everyone else - they are more than likely softing your experian!

Re: No SPs from Amex???

Anonymous — Tue, 06 Nov 2012 04:34:34 GMT

Shouldn;t it be a good thing that a creditor isn't SPing you?

Re: No SPs from Amex???

youngandcreditwrthy — Tue, 06 Nov 2012 04:43:32 GMT

Well you'd think so, but I don't think it's really indicative of anything haha...except that they are/are not watching. Let's hope they wont soft me for a week or two before my 3xcli. Got some work to do on my util; gonna try to get it from 12% to 9%.