Re: Amex Corp, credit pull & 5/ 24 rules

FishingGuy · ‎08-18-2021

So I have 2 questions..... perhaps some of you out there in Fico land can help me with some info.

I know that if you have an Amex card(s).... and apply for an additional one they usually do not do a hard pull.... just a soft pull (though that's not always guaranteed).

If you have personal Amex cards..... and apply for a corporate card, will they......

1> usually do the same and do a soft pull and not do a hard pull,?

2> will the opening up of a corporate card... count as an account for 5/24, if you want to apply to Chase at some point for a personal card?

dragontears · ‎08-18-2021

@FishingGuy wrote:
So I have 2 questions..... perhaps some of you out there in Fico land can help me with some info.
I know that if you have an Amex card(s).... and apply for an additional one they usually do not do a hard pull.... just a soft pull (though that's not always guaranteed).

If you have personal Amex cards..... and apply for a corporate card, will they......
1> usually do the same and do a soft pull and not do a hard pull,?
2> will the opening up of a corporate card... count as an account for 5/24, if you want to apply to Chase at some point for a personal card?

Corporate card or a small business card?

FishingGuy · ‎08-18-2021

Hmmmm, I'm not sure.... Business Gold, or Blue Business Cash, for a small corporation... so I would think it would be a small business card... I'm not talking about a card issued to someone working for a large corporation.

FalconSteve · ‎08-19-2021

If the card is on your credit report, they count it. If not, they don't.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL