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AMEX APP SP OR HP

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Anonymous
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AMEX APP SP OR HP

A week or two ago I got approved for AMEX BCE with a $10,000 SL.  I received an offer for the EVERDAY and saw this message on the app.  Does this sound like a hp or sp?  If it's a sp I would possibly consider applying....Capture+_2018-05-01-18-47-53.png

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: AMEX APP SP OR HP

Soft pull.

Message 2 of 5
jlitnns
Established Contributor

Re: AMEX APP SP OR HP

Should be a SP but always the chance it could be a HP, if reviewed. In my limited experience I've app'd for 2 additional AMEX cards and they've both been SP with the same language.


Message 3 of 5
Anonymous
Not applicable

Re: AMEX APP SP OR HP

Could be SP even without the same wording. I picked up two Amex in December with SPs and didn't have any type of 'pre-approval' language from them

Message 4 of 5
Anonymous
Not applicable

Re: AMEX APP SP OR HP

SP “information we have on file”

HP “information we obtained from the credit bureaus”
Message 5 of 5
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