Amex BCE processing concerns

[Anonymous]

Do you guys think I jumped the gun app'in for the BCE when I just app'd for the ED card and I have a super thin file. It shows that the application is processing. It did not give me a instant decline or anything. Do you senior guys think I will be approved? I called and they said "wait 1-2 days for a decision". 

Is it true since I am a current Amex card holder if declined there will be NO hard pulls?

AAOA : 4 months

Oldest Account 8 months

Largest TL Discover it : 4,600

Current FICO08 Scores EX 665 TU 692 EX 680

[Anonymous]

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@Anonymous wrote:

Do you guys think I jumped the gun app'in for the BCE when I just app'd for the ED card and I have a super thin file. It shows that the application is processing. It did not give me a instant decline or anything. Do you senior guys think I will be approved? I called and they said "wait 1-2 days for a decision". 

Is it true since I am a current Amex card holder if declined there will be NO hard pulls?

AAOA : 4 months

Oldest Account 8 months

Largest TL Discover it : 4,600

Current FICO08 Scores EX 665 TU 692 EX 680

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Thats correct.  If it declines it will be a soft pull..  Since it was not an instant decline, you are looking towards approval.  Keep checking the status and keep us posted.

[Anonymous]

I forgot to say that they did approve me for the first card the EveryDay for $3000.00

[Anonymous]

I guess my real concern is the guy said "we might pull from Transunion and Equifax also". If they pull from those and I am declined would it still be a soft pull?

I will keep you guys updated! Thanks I have learned SO SO much from all of you. Especially the senior board members. 

[Anonymous]

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@Anonymous wrote:

I guess my real concern is the guy said "we might pull from Transunion and Equifax also". If they pull from those and I am declined would it still be a soft pull?

I will keep you guys updated! Thanks I have learned SO SO much from all of you. Especially the senior board members. 

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Which bureau was pulled for your first card?  It is the same they will use... Sometimes, these CSRs tell you things they are not sure off.  It will be a soft pull regardless.  Amex softpulls your report every month and they will use that report if you apply for something new..

[SecretAzure]

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@Anonymous wrote:

I guess my real concern is the guy said "we might pull from Transunion and Equifax also". If they pull from those and I am declined would it still be a soft pull?

I will keep you guys updated! Thanks I have learned SO SO much from all of you. Especially the senior board members. 

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In your provided example, those would be an additional hard pull per. You'd essentially end up with 1 hard pull with each credit bureau. So 2 cards with 1-1-1, not bad. 

[Anonymous]

Well if it is of the last soft pull the Discover it was not reporting yet. My Discover it just started reporting 2 weeks ago. It has a decent limit of $4,600 so I guess if they do approve it would be a low limit cause they will only see my QS1 which has a $1300 limit. I should have waited probably to build history and so they could have seen the higher limit cards I have now. 

They originally pulled EX. 

[Anonymous]

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@Anonymous wrote:

Well if it is of the last soft pull the Discover it was not reporting yet. It has a decent limit of $4,600 so I guess if they do approve it would be a low limit cause they will only see my QS1 which has a $1300 limit. I should have waited probably to build history and so they could have seen the higher limit cards I have now. 

They originally pulled EX. 

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They will likely use a softpull from experian again..  Have hope as it was not an instant decline.  Keep us posted..

[Anonymous]

Bad news. I was declined. I called a second time and spoke to a VERY rude Amex employee who stated "I will process your application manually and oh no you have been declined sir" I simply asked why and he said "I will not tell you and look at the letter you get in 7-10 days. WOW. But oh well and he also said it WOULD BE a hard pull from Experian and Transunion. Total bummer. I learned my lesson I guess. I thought it would be a softpull. Do the individual reps have a option to decline or you think the computer did??

[SecretAzure]

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@Anonymous wrote:

Bad news. I was declined. I called a second time and spoke to a VERY rude Amex employee who stated "I will process your application manually and oh no you have been declined sir" I simply asked why and he said "I will not tell you and look at the letter you get in 7-10 days. WOW. But oh well and he also said it WOULD BE a hard pull from Experian and Transunion. Total bummer. I learned my lesson I guess. I thought it would be a softpull. Do the individual reps have a option to decline or you think the computer did??

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I think it's against policy to tell you for some strange reason. I've found that the people you tend to speak to on the weekend seem to be a tad bit less nice. I have no qualms with Amex customer service though. I'm thinking it was the computer unless you spoke to a recon line (UW).