Amex denial now HP for card members

Anonymous · ‎02-04-2016

I have been an Amex cardmember and from what I can see from my app and my friend's app, if you get denied now for an amex, you will get a HARD pull even if you are a cardmember. This combined with the annoyance that comes with talking with rude CSRs is enough for us to stop using amex. I will be happy to send in a fax of approval letters from almost every other CC.

Anonymous · ‎02-04-2016

@Anonymous wrote:
I have been an Amex cardmember and from what I can see from my app and my friend's app, if you get denied now for an amex, you will get a HARD pull even if you are a cardmember. This combined with the annoyance that comes with talking with rude CSRs is enough for us to stop using amex. I will be happy to send in a fax of approval letters from almost every other CC.

I have a couple of AmEx cards and got denied for one of the AmEx Hilton HHonors cards in November without it being a HP. This was right after another member said he got a denial and a HP, so this is probably still YMMV.

Anonymous · ‎02-04-2016

I'm sorry, but this isn't accurate. I did not receive an HP for a denial just 3 weeks ago when I applied for SPG.

OmarGB9 · ‎02-04-2016

Still a YMMV thing, not a for sure thing.

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UncleB · ‎02-04-2016

@Anonymous wrote:
I have been an Amex cardmember and from what I can see from my app and my friend's app, if you get denied now for an amex, you will get a HARD pull even if you are a cardmember. This combined with the annoyance that comes with talking with rude CSRs is enough for us to stop using amex. I will be happy to send in a fax of approval letters from almost every other CC.

Based on other posts it's probably still YMMV, but you provide a valuable data point that helps to remind us all that YMMV means just that... in other words, be prepared for a HP on denial even though most folks don't get one.

I'm sorry you had to be an 'exception'... I know all too well how much it sucks when something that isn't guaranteed but works for 'most' fails for me.

Edited to add: Welcome to the forums!

ojefferyo · ‎02-04-2016

I'm thinking what happened was that your profile was borderline for the computer to approve with their old SP and they went ahead and did a HP with a current report. And with that current report your profile probabaly didn't meet qualificatoins anymore so therefore a decline. That's just my speculations.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

mattmyFIC0 · ‎02-04-2016

@ojefferyo wrote:
I'm thinking what happened was that your profile was borderline for the computer to approve with their old SP and they went ahead and did a HP with a current report. And with that current report your profile probabaly didn't meet qualificatoins anymore so therefore a decline. That's just my speculations.

From the info I have gathered on these forums I believe ojefferyo is correct. I think if you are borderline they will hit you with a HP and you might be denied. I was SP denied last month for the SPG business card.

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Anonymous · ‎02-04-2016

You can't make a definitive blanket statement such as "Amex denial now HP for card members" based on your singular experience. The only time it happens is when their computer thinks the soft pull is borderline denial/approval and takes the additional step of doing a hard pull.

Anonymous · ‎02-04-2016

@UncleB wrote:
@Anonymous wrote:
I have been an Amex cardmember and from what I can see from my app and my friend's app, if you get denied now for an amex, you will get a HARD pull even if you are a cardmember. This combined with the annoyance that comes with talking with rude CSRs is enough for us to stop using amex. I will be happy to send in a fax of approval letters from almost every other CC.
Based on other posts it's probably still YMMV, but you provide a valuable data point that helps to remind us all that YMMV means just that... in other words, be prepared for a HP on denial even though most folks don't get one.

I'm sorry you had to be an 'exception'... I know all too well how much it sucks when something that isn't guaranteed but works for 'most' fails for me.

Edited to add: Welcome to the forums!

That is ALL there is to it!

bsal · ‎02-05-2016

I'm sorry if I'm changing the subject but does anyone know what Amex pulls and how strick are they qualifications?