AMEX application SP or HP Data Points

[Anonymous]

Hello fellow members,

After reading so many posts about HP or SP when it comes to AMEX applications! Most of them mentioned if approved it would be a HP and if declined it would be SP. 

To contradict that I had this happened in my case;

Initially when I was not aware of Amex 6 months min credit history I app'd and was declined and it resulted in HP on TU and EQ (notified via credit karma)

fast forwarding to 6.5/7 months later, today I was approved for Amex and had no inquiry/inquiries reflecting yet on the report.

So I am not sure if my case is an anomaly or umm they would report the HP after few days. 

Ps: will surely update this thread if I see a new inquiry from them in coming days/weeks/months.      

[Jnbmom]

It is a HP when you initially apply with AMEX. Once you become a member and apply for either a CLI or another card it is a SP.

You will get a HP since this is your initial card with them, it will show up.

[Anonymous]

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@Jnbmom wrote:

It is a HP when you initially apply with AMEX. Once you become a member and apply for either a CLI or another card it is a SP.

You will get a HP since this is your initial card with them, it will show up.

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Yeah that's what even I feel. but it was funny when I initially app'd 6 months back it was instant HP today it wasn't that is why I was being optimistic to some extent. Anyhow, let us see.    

[coldfusion]

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@Jnbmom wrote:

It is a HP when you initially apply with AMEX. Once you become a member and apply for either a CLI or another card it is a SP.

There is always some level of risk that applying for a new AMEX card will generate an HP.   I am batting 8-for-8 with AMEX apps, with 3 HP, all on EX.

[jgdev]

I think with the SP for a second or more card that only applies if you are logged into your account. I was not logged in when I accepted a prequal offer for the PRG and I got a second HP less than a month after the first one.

[Shadowfactor]

I recently applied about two weeks ago for the Everyday card.

I used incognito mode in a private browser to get the Amex ED 25K MR offer. It was not a hard pull and I was not logged in to my Amex account.

3rd Amex card within a year.

755 on Experian. Prequalified for the ED card when logged in.

[awg420]

I was just approved for a 2nd card with no HP so far reported

[Anonymous]

Its been exactly one month I still don't see Amex HP in the CR (no notifications via CK or any other monitoring sites). However, CL of Amex also is not reported. Maybe tomorrow I will see both as it is my closing date. 

[Anonymous]

My Amex BCE reported one week after my second statement cut which was in line with what I had read in the forums.

[Anonymous]

Amex for the majority pulls EX. So if you did not get HP'd for it, then you definitely lucked out. It takes two statements before it reports to all 3 CRA's. You might still see that HP once it reports along with the new account AAoA factored in