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Amex Biz Question

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MarkintheHV
Regular Contributor

Amex Biz Question

I currently have the Amex BCP card and understand that if I were to apply for another amex card it will be a soft pull.  My question is, does the soft pull also extend to their business cards?  If I were applying for a business card in my name (consulting business), will that be a hard or soft pull?

 

Thanks

Personal: AmEx Platinum - NPSL | AmEx Gold - NPSL | AmEx BCP - 45k | NFCU Flagship Visa - $41k | NFCU Go Rewards MC - 25k
Business Cards: AmEx Delta Biz Gold - 40k | AmEx Amazon Biz - $30k
Message 1 of 10
9 REPLIES 9
bigseegar
Established Contributor

Re: Amex Biz Question

"Normally" yes a SP but like with all things AmEx there's always an outside chance any new card Biz or Personal could be a HP.

Message 2 of 10
RealEstateGuy89
Frequent Contributor

Re: Amex Biz Question


@MarkintheHV wrote:

I currently have the Amex BCP card and understand that if I were to apply for another amex card it will be a soft pull.  My question is, does the soft pull also extend to their business cards?  If I were applying for a business card in my name (consulting business), will that be a hard or soft pull?

 

Thanks


Yes, it extends to the Biz cards. Once you have AMEX it is most usually always a SP after that for either personal or business. 

Message 3 of 10
Suzette2
Frequent Contributor

Re: Amex Biz Question


@MarkintheHV wrote:

I currently have the Amex BCP card and understand that if I were to apply for another amex card it will be a soft pull.  My question is, does the soft pull also extend to their business cards?  If I were applying for a business card in my name (consulting business), will that be a hard or soft pull?

 

Thanks


Yep.  SP


@MarkintheHV wrote:

I currently have the Amex BCP card and understand that if I were to apply for another amex card it will be a soft pull.  My question is, does the soft pull also extend to their business cards?  If I were applying for a business card in my name (consulting business), will that be a hard or soft pull?

 

Thanks


Yep.  SP

6/20 :12/22 :
Message 4 of 10
pizzadude
Moderator

Re: Amex Biz Question

Agree with posts above.  It will likely be a SP but not guaranteed. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 10
SDMarik
Established Contributor

Re: Amex Biz Question

My most recent Amex was the BBP, It was my 4th Amex (first business) and still a SP. I would assume that it would be a SP but always be prepared for the HP to sneak in there. 



"When prosperity comes, do not use all of it"
Message 6 of 10
SouthJamaica
Mega Contributor

Re: Amex Biz Question


@MarkintheHV wrote:

I currently have the Amex BCP card and understand that if I were to apply for another amex card it will be a soft pull.  My question is, does the soft pull also extend to their business cards?  If I were applying for a business card in my name (consulting business), will that be a hard or soft pull?

 

Thanks


In the first place there's never a guarantee that it's a soft pull; almost always it's a soft pull, but not always.

And yes it applies to business card applications as well. Your application for a business card is highly likely to be a soft pull.


Total revolving limits 724200 (622200 reporting) FICO 8: EQ 725 TU 723 EX 700

Message 7 of 10
MarkintheHV
Regular Contributor

Re: Amex Biz Question

Thanks everyone.  Just got approved for 21k and no emails stating hard pull.

Personal: AmEx Platinum - NPSL | AmEx Gold - NPSL | AmEx BCP - 45k | NFCU Flagship Visa - $41k | NFCU Go Rewards MC - 25k
Business Cards: AmEx Delta Biz Gold - 40k | AmEx Amazon Biz - $30k
Message 8 of 10
SouthJamaica
Mega Contributor

Re: Amex Biz Question


@MarkintheHV wrote:

Thanks everyone.  Just got approved for 21k and no emails stating hard pull.


Congratulations.

 

Which card did you go for? I have the Blue Business Cash and the Blue Business Plus.


Total revolving limits 724200 (622200 reporting) FICO 8: EQ 725 TU 723 EX 700

Message 9 of 10
MarkintheHV
Regular Contributor

Re: Amex Biz Question

I snagged the Amazon Prime Business card.

Personal: AmEx Platinum - NPSL | AmEx Gold - NPSL | AmEx BCP - 45k | NFCU Flagship Visa - $41k | NFCU Go Rewards MC - 25k
Business Cards: AmEx Delta Biz Gold - 40k | AmEx Amazon Biz - $30k
Message 10 of 10
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