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Hard pull with amex?

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Anonymous
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Hard pull with amex?

I got approved  for a amex card yesterday  and want to apply for another today will it be two hard pulls both are credit cards

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: Hard pull with amex?


@Anonymous wrote:

I got approved  for a amex card yesterday  and want to apply for another today will it be two hard pulls both are credit cards


Welcome to the forums.

 

No way to know for sure but there is a good chance that it will be another HP

Message 2 of 9
Anonymous
Not applicable

Re: Hard pull with amex?

Not 100% sure but I feel like the threads I've seen have been 1 hp for a charge and a revolver. Can't remember seeing any for two revolvers...

Message 3 of 9
RonM21
Valued Contributor

Re: Hard pull with amex?

I think it could be a HP also. But as stated it could vary.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 4 of 9
Anonymous
Not applicable

Re: Hard pull with amex?


@Anonymous wrote:

I got approved  for a amex card yesterday  and want to apply for another today will it be two hard pulls both are credit cards


Depends what kind of card you applied for already, and which you want to apply for today.

 

If you apply for two of the same type (revolver, charge) within the same 5 day period they will put the 2nd one on hold until 5 days from the first application has passed, then do a new HP.

 

You can usually get away with a single HP for 1 charge and 1 revolver on the same day though.

Message 5 of 9
Anonymous
Not applicable

Re: Hard pull with amex?

IMO if you want a card then expect a pull and be happy if there isn't one. HPs shouldn't determine your card choices. HPs are temporary

Message 6 of 9
Anonymous
Not applicable

Re: Hard pull with amex?

I applied for Delta and Hilton 6 days apart, approved for both, one HP. 

Message 7 of 9
Anonymous
Not applicable

Re: Hard pull with amex?


@Anonymous wrote:

I applied for Delta and Hilton 6 days apart, approved for both, one HP. 


Really? Hmmmmm... good to know.

Message 8 of 9
UncleB
Credit Mentor

Re: Hard pull with amex?


@Anonymous wrote:

I applied for Delta and Hilton 6 days apart, approved for both, one HP. 


+1

 

I've read of several people who were able to get lucky like this, but it's not the 'norm' for folks here by any means.

 

The most predictable (if you can call it that) way to get "2 for 1" is a charge and a revolver applied for in the same day - I've done this twice now and both times it was only one HP, and many other folks here have done this as well.

 

Of course with most things credit YMMV and it's certainly not guaranteed; just as some people have reported applying days apart and still only getting one HP, some people have reported getting two HPs for two apps in the same day.  In either case I would simply say to prepare for a HP for each app, and be pleased if it turns out to only be one.  Smiley Wink 

Message 9 of 9
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