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AMEX Membership Question Soft or Hard

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Silverspy
Established Member

AMEX Membership Question Soft or Hard

So I used to be an auterized user on my parents AMEX Blue Cash card, however after financial difficulites that card was closed by AMEX. However when I log on the account is still on there but listed as closed and says that Since I am an auterized user I am not responsible for debt. 

 

My question is if I apply for for a BCP and get denied will it only be a soft or hard inqury? Becuase I still have an online account under my name, just no cards under it? 

 

Current Cards

Discover - 5000

BOA Cash Rewards - 5000

Chase Freedom - 1500

Cap1 Journey - 750

Wells Fargo Secured - 400

Most CLI'd recenlty all soft except Discover and Chase

Credit Karama TU Score - 715 (TU)

Vantage Score - 719 (TU)

Credit Sesamee - 701 (EX)

 

 

Message 1 of 3
2 REPLIES 2
myjourney
Super Contributor

Re: AMEX Membership Question Soft or Hard


@Silverspy wrote:

So I used to be an auterized user on my parents AMEX Blue Cash card, however after financial difficulites that card was closed by AMEX. However when I log on the account is still on there but listed as closed and says that Since I am an auterized user I am not responsible for debt. 

 

My question is if I apply for for a BCP and get denied will it only be a soft or hard inqury? Becuase I still have an online account under my name, just no cards under it? 

 

Current Cards

Discover - 5000

BOA Cash Rewards - 5000

Chase Freedom - 1500

Cap1 Journey - 750

Wells Fargo Secured - 400

Most CLI'd recenlty all soft except Discover and Chase

Credit Karama TU Score - 715 (TU)

Vantage Score - 719 (TU)

Credit Sesamee - 701 (EX)

 

 


It will be a HP for you and welcome to the forum

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 3
09Lexie
Moderator Emerita

Re: AMEX Membership Question Soft or Hard

Open or closed it will be a HP since you were the ACM. SPs are for primary card embers and only if denied.
Message 3 of 3
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