topic Re: AMEX Triple pull.. in Credit Cards

AMEX Triple pull..

WallyxD — Thu, 25 Apr 2013 18:35:10 GMT

I just purchased my EQ report and found out that AMEX pulled them when I apped for their green charge card. They also pulled TU and EX because I got the CK and CS alerts. Regardless of the triple pull, I was denied..

Has anyone else been triple pulled by AMEX and still wasn't approved?

When I receive the denial letter in the mail, I'll be sure to update you guys with the reasons as to why I was denied.

Re: AMEX Triple pull..

myjourney — Thu, 25 Apr 2013 18:44:26 GMT

Did you recon?

Re: AMEX Triple pull..

WallyxD — Thu, 25 Apr 2013 19:02:59 GMT

@myjourney wrote:
Did you recon?

Well yes, I just got off the phone with them (person I spoke to was british, I so wish i had a british accent haha) and she submitted the request to have the application further reviewed and that it usually takes two business days so for me to give them a call back on Monday. She said she has her fingers crossed, I do too. On a side note, aren't charge cards usually NPSL? If so, I don't want to get overexcited because I'm sure my income was the biggest factor, though they didn't state that as a reason..

Re: AMEX Triple pull..

myjourney — Thu, 25 Apr 2013 19:23:04 GMT

@WallyxD wrote:
@myjourney wrote:
Did you recon?
Well yes, I just got off the phone with them (person I spoke to was british, I so wish i had a british accent haha) and she submitted the request to have the application further reviewed and that it usually takes two business days so for me to give them a call back on Monday. She said she has her fingers crossed, I do too. On a side note, aren't charge cards usually NPSL? If so, I don't want to get overexcited because I'm sure my income was the biggest factor, though they didn't state that as a reason..

My fingers are crossed on both hands for you too

Re: AMEX Triple pull..

youngandcreditwrthy — Thu, 25 Apr 2013 19:27:38 GMT

I got denied in 2011 w a triple pull. Heh.

Re: AMEX Triple pull..

charleeislegend — Thu, 25 Apr 2013 20:00:37 GMT

i got triple pulled for my PRG, but i got an instant approval though

Re: AMEX Triple pull..

shakalaka — Thu, 25 Apr 2013 20:09:22 GMT

If you are broderline, they almost always triple pull for the first card. Same here, next card was only EX.

Re: AMEX Triple pull..

WolfMan — Thu, 25 Apr 2013 20:41:11 GMT

Yeah, Back in Jan, I applied... Triple pulled... Then I recon'd... Triple Pulled again... Then still declined.

I did finally try again a couple months later, and got approved without a recon.

Re: AMEX Triple pull..

LS2982 — Thu, 25 Apr 2013 21:13:37 GMT

@WallyxD wrote:
I just purchased my EQ report and found out that AMEX pulled them when I apped for their green charge card. They also pulled TU and EX because I got the CK and CS alerts. Regardless of the triple pull, I was denied..

Has anyone else been triple pulled by AMEX and still wasn't approved?

When I receive the denial letter in the mail, I'll be sure to update you guys with the reasons as to why I was denied.

Looks like they considered your file borderline and pulled all 3 instead of just EX. Sorry to hear about your denial.

Re: AMEX Triple pull..

LS2982 — Thu, 25 Apr 2013 21:14:39 GMT

@WolfMan wrote:
Yeah, Back in Jan, I applied... Triple pulled... Then I recon'd... Triple Pulled again... Then still declined.
I did finally try again a couple months later, and got approved without a recon.

You got 6 HP's and no card?????

Re: AMEX Triple pull..

myjourney — Thu, 25 Apr 2013 21:40:11 GMT

@LS2982 wrote:
@WallyxD wrote:
I just purchased my EQ report and found out that AMEX pulled them when I apped for their green charge card. They also pulled TU and EX because I got the CK and CS alerts. Regardless of the triple pull, I was denied..

Has anyone else been triple pulled by AMEX and still wasn't approved?

When I receive the denial letter in the mail, I'll be sure to update you guys with the reasons as to why I was denied.
Looks like they considered your file borderline and pulled all 3 instead of just EX. Sorry to hear about your denial.

Re: AMEX Triple pull..

WallyxD — Fri, 26 Apr 2013 00:11:36 GMT

Yeah the rep I spoke to, i hadher make sure to note that they're only allowed to reevaluate my application if they used the reports they got from the first three pulls and that if they couldn't, then for them not to worry about the recon, so well see what happens when I call on Monday.

Also, does being borderline mean I should be good to go in a few months? Like is it better that they had to pull all three since I was borderline instead of them denying me off of one report?

Re: AMEX Triple pull..

LS2982 — Fri, 26 Apr 2013 00:14:06 GMT

@WallyxD wrote:
Yeah the rep I spoke to, i hadher make sure to note that they're only allowed to reevaluate my application if they used the reports they got from the first three pulls and that if they couldn't, then for them not to worry about the recon, so well see what happens when I call on Monday.

Also, does being borderline mean I should be good to go in a few months? Like is it better that they had to pull all three since I was borderline instead of them denying me off of one report?

If your recon does not net a card I would hit the garden for 6 months and re-apply. Very good chance of approval.

Re: AMEX Triple pull..

WallyxD — Fri, 26 Apr 2013 00:21:49 GMT

If I can get these two papers done over the weekend, and I call Amex and find out I got approved, it may just be the best weekend I've had lol. I mean, even if the recon doesn't go well, I still have to applaud them for actually looking over my app again, unlike discover.

Re: AMEX Triple pull..

WolfMan — Wed, 01 May 2013 04:05:06 GMT

@LS2982 wrote:
@WolfMan wrote:
Yeah, Back in Jan, I applied... Triple pulled... Then I recon'd... Triple Pulled again... Then still declined.
I did finally try again a couple months later, and got approved without a recon.

You got 6 HP's and no card?????

Applied in the 17th.

Recon the day after, and said they'd get back to me... Bam, 3 more.

No card in the end.

Long story short, I cancelled my Optima/Oasis card after 7 years, and had no other credit. Did that after all the baddies went away, thinking the history was a sure thing with AMEX. Wrong.

Two months later, after getting a couple low cards, and a prime discover, they approved me ( after another 3 pulls in March )

9 pulls total = 1000 limit with Amex. LOL. I'll do the 3x CLI next month, though.

Re: AMEX Triple pull..

Anonymous — Thu, 02 May 2013 06:26:32 GMT

@WallyxD wrote:
I just purchased my EQ report and found out that AMEX pulled them when I apped for their green charge card. They also pulled TU and EX because I got the CK and CS alerts. Regardless of the triple pull, I was denied..

Has anyone else been triple pulled by AMEX and still wasn't approved?

When I receive the denial letter in the mail, I'll be sure to update you guys with the reasons as to why I was denied.

Yes. I originally applied for the green charge card in Jan, they tripple pulled and denied me. The denial leter said no score reporting from EX was the reason. I didn't have any lines of credit open or closed reporting. I re-apped in Mar when the Wels Fargo card I got in Jan started reporting and was approved and tripple pulled again.

Re: AMEX Triple pull..

Cali_Credit — Thu, 02 May 2013 06:35:19 GMT

Personally I don't think AMEX is worth all the pulls and trouble! I may never app Amex😛

Re: AMEX Triple pull..

OhioCPA — Thu, 02 May 2013 11:51:41 GMT

Amex is not very good on recon, the best course of action is to wait a month or so and apply again for the green card.

I was denied for the Delta card with three pulls in March 2011. A month later I received pre-approvals for both a Green and Gold card. After getting approvals on both of those I got an approval for the BCE. All in the same week.

Re: AMEX Triple pull..

boomhower — Thu, 02 May 2013 11:59:44 GMT

Do you have a thin or young file? ~700 FICO should be plenty for a green card.

Re: AMEX Triple pull..

Revelate — Thu, 02 May 2013 15:21:25 GMT

@WallyxD wrote:
Yeah the rep I spoke to, i hadher make sure to note that they're only allowed to reevaluate my application if they used the reports they got from the first three pulls and that if they couldn't, then for them not to worry about the recon, so well see what happens when I call on Monday.

Also, does being borderline mean I should be good to go in a few months? Like is it better that they had to pull all three since I was borderline instead of them denying me off of one report?

Strangely given what we know anecdotally on Amex's underwriting procedure as it comes to multiple bureaus being checked, that's pretty accurate. Sort of a annoying that a "Hmmmm.... no" is worse for us as consumers than a "Hell no!"

In a few months, hard to say; see what Amex gives you for the denial reasons and then make a plan from there.

Re: pull happy Amex - it's a pretty rare occurence and I'd suggest it happens to forum folks more often than the general population. This isn't Cap One where you'll be triple pulled for everything... and even then, HP's are pretty minor. I wouldn't throw any lender out, even Cap One, over inquiries alone if there's a tradeline I want.