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Amex soft pull approvals for current card holders

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Isacking97
Regular Contributor

Amex soft pull approvals for current card holders

I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

 

About 3 to 4 days has past and my fico does not reflect any hard inq..

 

I have excellent payment history with amex and a of  EX 728.

 

This is normal?



Starting Score:EX: 713 EQ: 698
Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders


@Isacking97 wrote:

I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

 

About 3 to 4 days has past and my fico does not reflect any hard inq..

 

I have excellent payment history with amex and a of  EX 728.

 

This is normal?


Yeah I believe you are safe for a SP. In May of 2016 I got my Delta Gold(HP) and then January 2017 got my BCP(SP) and same day got my Patinum(SP). As of today, no HP have shown up.....Congrats!!..Smiley Wink

Message 2 of 16
601flyguy
Established Contributor

Re: Amex soft pull approvals for current card holders

Interesting...
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 3 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders

The HP showed up a few days latter for me after I was approved. I've always been under the impression that it's a HP if approved. Hopefully you slid under the radar!

Message 4 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders

I applied for the BCP in Feb and was approved with a HP. Then on 4/11 i recieved a prescreened offer for the PRG and was also approved but as of writing this, I have yet to see an alert for a HP.
Message 5 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders

What has been strange for me is that I applied for my first Amex (BCE) in January. That was a hard pull.

 

I was approved for 3 different amex cards in March through incognito offers. As of today, my only inquiry on my EX report is the app from January.

 

 

Message 6 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders

Obviously I had a HP on my BCE. Three months after getting it I applied and was instantly approved for the EDP without ever getting a HP.

Message 7 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders


@Isacking97 wrote:

I apply'd this week for a BCE and got approved for 2K, the strange part ofter login in, they did not ask for my SSN or work place, just basic info and income..

 

About 3 to 4 days has past and my fico does not reflect any hard inq..

 

I have excellent payment history with amex and a of  EX 728.

 

This is normal?


I applied and was approved for my first Amex card (BCP) April 2016 in which I received an HP. I applied and was approved for my Amex Plat on 3/14 and have yet to see any HP reported. I'm assuming a month into it that they must have just SP'd me? 

Message 8 of 16
AllCredit
Frequent Contributor

Re: Amex soft pull approvals for current card holders

All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...

Message 9 of 16
Anonymous
Not applicable

Re: Amex soft pull approvals for current card holders


@AllCredit wrote:

All of this makes me hopeful that I might forgo a HP on an approved charge card...if I decide to apply...


From reading all of this, HP's seem to be hit/miss. I have HP's for all of my AMEX approvals. 

Message 10 of 16
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