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So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
@Anonymous wrote:
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
But all my credit reports are frozen.
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
But all my credit reports are frozen.
Very strange. Either Amex still did a HP because they are an existing creditor or you got lucky and they used a SP. Where are you looking to see if a HP was done?
@Anonymous wrote:
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
But all my credit reports are frozen.
Very strange. Either Amex still did a HP because they are an existing creditor or you got lucky and they used a SP. Where are you looking to see if a HP was done?
Amex usually pulls EX for me
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
But all my credit reports are frozen.
Very strange. Either Amex still did a HP because they are an existing creditor or you got lucky and they used a SP. Where are you looking to see if a HP was done?
Amex usually pulls EX for me
No I know that they pull EX but how are you determining that they didn't pull a report?
@Anonymous wrote:
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:So last night I really began to think could I justify the annual fee on my PRG and I could so I went and cold apped for the Amex Everyday Prefered and went through some questions and was approved for 10k with no hard pull is this normal ?
Amex Ex score is a 720
Congrats on the approval. There will be a hard pull. Either it just hasn't shown up yet or you're looking in the wrong place.
But all my credit reports are frozen.
Very strange. Either Amex still did a HP because they are an existing creditor or you got lucky and they used a SP. Where are you looking to see if a HP was done?
Amex usually pulls EX for me
No I know that they pull EX but how are you determining that they didn't pull a report?
I have no alert that they did
Congrats on the approval - sometimes the alerts are delayed, I've had that happen before. It's on my report but the alert comes a day or two later. It would be awesome if they SP'd you, I'll keep my fingers crossed for you!
@Anonymous wrote:Congrats on the approval - sometimes the alerts are delayed, I've had that happen before. It's on my report but the alert comes a day or two later. It would be awesome if they SP'd you, I'll keep my fingers crossed for you!
This. When I was approved for another Amex recently, I logged into my Experian account the same day and saw the inquiry on there. I didn't get an alert from them or from myFico until the next day. So I wouldn't assume it's a SP just yet.
How could Amex hard pull OP if all of OP's reports are frozen?
Congratulations on you approval!