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Amex BCP approval with rsvp code (is it a soft pull if I don’t make the cut)

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Howaboutthat
Frequent Contributor

Amex BCP approval with rsvp code (is it a soft pull if I don’t make the cut)

I received a Pre Approval for the Amex BCP with an approval code and was wondering if it will be a soft pull if I don't make the cut. The only Amex card I have at the moment is the Amex Everyday Card. I figure 6% back on groceries and 6% on streaming I can use. It does however  have an annual fee of $95 but they wave it for the first year. It also has 0% interest for a year then a variable APR, 13.99% to 23.99%. 

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OmarGB9
Community Leader
Super Contributor

Re: Amex BCP approval with rsvp code (is it a soft pull if I don’t make the cut)

It usually is, but it's not guaranteed. Best to go in expecting an HP, and if it is only an SP, then consider it a win.


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EAJuggalo
Established Contributor

Re: Amex BCP approval with rsvp code (is it a soft pull if I don’t make the cut)

If you are already an AMEX customer it is almost always a SP.  It can be a HP but those seem to be few and far between.  I've got 4 AMEX cards, applied for a couple others and only had 1 HP in the 5 years I've been a customer.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
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