topic Re: AMEX Application Questions in Credit Cards

AMEX Application Questions

ficostef — Wed, 11 Jun 2014 05:18:20 GMT

1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

Re: AMEX Application Questions

IamB2 — Wed, 11 Jun 2014 09:23:29 GMT

I just now applied with Amex, for two cards, and they pulled EX exclusively. On both times.

Re: AMEX Application Questions

chwebb1 — Wed, 11 Jun 2014 10:58:40 GMT

@ficostef wrote:
1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

1. They will pull all 3 if you are borderline. I had all 3 of mine pulled (although this was approximately a year ago).

2. No idea, since I've never used it.

Re: AMEX Application Questions

Kenny — Wed, 11 Jun 2014 11:20:12 GMT

Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.

Re: AMEX Application Questions

Anonymous — Wed, 11 Jun 2014 15:08:35 GMT

@ficostef wrote:
1) Am I correct that Amex will HP EX only on a new applicant with no prior relationship with them?

2) How accurate does their online pre-quals appear to be? (They show me as qual'd for Gold Delta and EDP)

-stef

I was recently approved for my EveryDay Preferred. Before I applied, I used their pre-qualification tool and was did not have any offers.

Re: AMEX Application Questions

vygotsky — Wed, 11 Jun 2014 15:16:00 GMT

@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.

Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

Re: AMEX Application Questions

Creditaddict — Wed, 11 Jun 2014 15:26:03 GMT

@vygotsky wrote:
@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.
Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

CLI are always sp.

Re: AMEX Application Questions

Anonymous — Wed, 11 Jun 2014 15:33:38 GMT

My only offer was to upgrade my PRG to Platinum (no bonus ). I app'd for the Everyday Preferred anyway and was approved. I wasn't going to upgrade the PRG without a way to multiply MR points.

Re: AMEX Application Questions

ExplicitElicit — Wed, 11 Jun 2014 15:36:25 GMT

@vygotsky wrote:
@KennyRS wrote:
Amex is just like any lender. They can pull all three. They will pull experian every time, though.

The only way Amex is different in terms of hp/sp is that they will only SP if denied for current Amex members. HP If approved for current members.
Very intresting. Do amex CLIs work in the same way? SP if declined HP if approved?

Sp everytime no matter the outcome.

Edit: Sorry CA didn't see your response before I posted... Ohh work has me tired today