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You apply and get declined - SP?
You Apply and get approved - HP?
Current Card Holder applies for another account and get declined - SP?
Current Card Holder applies for another card and gets approved - HP?
@Creditaddict wrote:You apply and get declined - SP?
You Apply and get approved - HP?
Current Card Holder applies for another account and get declined - SP?
Current Card Holder applies for another card and gets approved - HP?
I believe its 1st app its HP, 2nd app in succession is SP.
@pizzadude wrote:
If you are NOT a current cardmember your will have a HP for either acceptance or denial.
Current Card Holder applies for another account and get declined - SP?
Current Card Holder applies for another card and gets approved - HP?
@Creditaddict wrote:
@pizzadude wrote:
If you are NOT a current cardmember your will have a HP for either acceptance or denial.Current Card Holder applies for another account and get declined - SP?
Current Card Holder applies for another card and gets approved - HP?
Yes.
For existing cardmembers, it's never a hard if declined, but always if approved.
@-Cain- wrote:
Here's what may be a twist...
I found an offer online for BCP with signup bonus. I applied through that link, redirected to AmEx. I had to fill out the app myself. I was declined just this morning. In my decline letter, I am given my EX FICO score. Could it be they pulled hard? Maybe since it didn't recognize me as a Card Member and I had to manually enter my info on app it resulted in a hard pull? I will check tonight.
They can quote your score based on a soft pull I believe. At least that is what I assumed when I received a decline letter from AMEX, and didn't see any hard pull...
@-Cain- wrote:
Here's what may be a twist...
I found an offer online for BCP with signup bonus. I applied through that link, redirected to AmEx. I had to fill out the app myself. I was declined just this morning. In my decline letter, I am given my EX FICO score. Could it be they pulled hard? Maybe since it didn't recognize me as a Card Member and I had to manually enter my info on app it resulted in a hard pull? I will check tonight.
In many cases they will use the last monthly report they pulled for AR.