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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)
@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