NEW policy for AMEX Applications for existing card holders

[Anonymous]

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@Cmikul wrote:

I thought the SP was only on cards thru the AMEX site....PRG, Plat, BCE and the like. 

I would've never even thought that  a Delta, Dillard's or SPG card could be a SP.

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This was through the AmEx site for the HHonors Surpass.  Even on an incognito browser, when I entered my info it recognized me as a cardholder, made me log in, and asked which of my current cards I wanted them to pull information from. 

When getting HP before I've gotten alerts from CK or CCT within a couple of hours of applying.  Maybe this will end up being a HP too but it's been four days with no alerts. I called the app status line and they said the decision to decline me was made yesterday.  We'll see.

[EddieK]

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@Anonymous wrote:

Thanks for the advice. I found that today. I applied yesterday for the Plenti AMEX and the Green AMEX and they hard pulled Experian and Equifax. My scores are lower but decent. After some address verification i got the Green AMEX. At least I'm on the AMEX family.

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It's always a HP for new Amex cardholders.  The OP is mentioning HPs on declines after you already have an Amex.

[CreditCuriosity]

Got to be careful about stating new policy.. Sure a HP can happen with a decline if you are an existing cardmember as this has happened to some, but more-so denials are SP's.  I wouldn't say this is a policy change at all.  CSR's are clueless as most of us know.

[Anonymous]

I dunno man. 4 different reps?? They can't all be wrong. 

[Anonymous]

oh but they can. lol

[Skye12329]

I cant speak for co branded cards. But DH applied last night for a CLI on his ED card - denied no HP

Applied for BCE last night- went into review and then denied. No HP. Received decision electronically. They used a SP from last month, and denied for need more experience with current accounts.

[Skye12329]

Forgot to mention he was signed in when he applied for BCE, not sure if it makes a difference or not.

[gingerflower]

I applied for the Hilton honors express card got approved . Pulled Experian.

[Anonymous]

I hope this isn't true. First backdating now this ?

[ddemari]

I applied for Hilton Honors Amex on Monday. Declined but no hard pull seen on my reports from Credit Secures experian equifax and transunion monitoring.