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Soft or Hard Pull for AMEX

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Soft or Hard Pull for AMEX

Good Morning Friends,

 

I am not sure if AMEX does a soft or hard pull when it invites you to apply after you check what cards you are pre-qualified for in your account page.  I know someone will know right off the bat.

 

Thanks and have a good day.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $16.5K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 1 of 8
7 REPLIES 7
Community Leader
Super Contributor

Re: Soft or Hard Pull for AMEX

Most of the time it's a SP if you're already an AMEX cardholder. On the very rare occasion we have had reports of people incurring a HP for applications but again those seem to be rare.

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 2 of 8
Frequent Contributor

Re: Soft or Hard Pull for AMEX


@simplynoir wrote:

Most of the time it's a SP if you're already an AMEX cardholder. On the very rare occasion we have had reports of people incurring a HP for applications but again those seem to be rare.


Thanks,  the AMEX Hilton card appears on my cards that I am pre-approved for.  I really want that one, hopefully it will be a soft pull,,, thanks again.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $16.5K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 3 of 8
Regular Contributor

Re: Soft or Hard Pull for AMEX

I can only speak from my experience, but my hilton aspire was a soft pull given my customer relationship with AMEX.
Current Cards:


INQ: 6 (7/17, 9/17, 11/17, 11/17, 7/18, 5/19)
Accounts: 5 accounts in last 24 (oldest falls off 7/19)

Immediate Goals:
7/19: 3x CLI for Hilton Aspire
8/19: App for Chase Ink Cash
12/19: One bureau FICO 8 at 750 (currently 705 EXP; 701 TU)
Message 4 of 8
Frequent Contributor

Re: Soft or Hard Pull for AMEX

Looks like it was a soft pull, was approved for 20K. Although the card is currently limited to 10K until I receive and register the new card.

 

Not too shabby, Now I can get rid of that worthless BonVoy card.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $16.5K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 5 of 8
Community Leader
Super Contributor

Re: Soft or Hard Pull for AMEX


@avp99 wrote:

Looks like it was a soft pull, was approved for 20K. Although the card is currently limited to 10K until I receive and register the new card.

 

Not too shabby, Now I can get rid of that worthless BonVoy card.


Congrats on your new card there.

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 6 of 8
Community Leader
Valued Contributor

Re: Soft or Hard Pull for AMEX

Nothing is a guarantee, but most of the time it’s a SP for existing customers. 

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
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Once you go Berner, you never go back.
Message 7 of 8
Moderator

Re: Soft or Hard Pull for AMEX

Thread is now locked as approval post is now in approval section of the forum.  Thanks

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Fifth Third | BB&T | Synovus | Commerce
Message 8 of 8