AMEX question

[Gibran]

Hey gang, haven't posted in a while..My amex zync will be 6 months old in Nov and I was wanting to apply for a Delta Skymiles card, should I do it online or call and speak with a CSR?? Thanks for any feedback

[mauwow0682]

Personally, I would call. Its better because you're dealing with a person and if for some reason you're declined its easier to do a recon.

[Gibran]

That was my thinking also, wanted to get a second opinion though, hopefully I won't get declined. I've been putting everything through my zync so it definitely shows alot of usage on my account and no lates up to this point....Thanks

[Anonymous]

I'm thinking of doing the same thing, keep us posted.

[O-day]

I want to do the same thing but i want to wait a year to be on the safe side and i also have way to many inquires...5, also one  question will they hard pull or soft pull when ever i do apply? any one know?

[Gibran]

I've read on various threads here that if you already have an account with them, they do a soft pull. That's just what I've read here.

[O-day]

that will be awesome, thanks

[stan_the_man]

It's probably going to be a hard pull by Amex. The only way to know for sure is to call to apply.

I tried to do a product change last week from my Cash Rebate CC (some no longer issued product) to the Hilton HHonors CC. For some reason you can't PC from a non-airline/hotel card to an airline/hotel card.

Instead of a PC, online they treated it as a new application. So, I now have 3 Amex CCs and they did a hard pull before the issued the card.

I've been fighting to get the hard pull reversed for the past week -- it's been escalated from rep to supervisor (and apparently a team of supervisors reviewed my call) to some resolutions team. I'm supposed to hear from the resolutions team within the week.

Sadly, even though I have a 793 EX Fico, if the result of the resolutions team doesn't go my way I'm going to send a letter to the CEO/President of Amex. I was actually successful in having a hard turned into a soft at Scottrade for my wife in the past three months with this letter. So, we'll see what happens.

The only reason I'm fighting a stupid hard inquiry is because I didn't intend nor did I think I was applying for new credit with Amex.

[O-day]

wow that blows, but goodluck with ur inquiry dispute, i didnt know u can really do that

[CrdtLrnr]

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@O-day wrote:

I want to do the same thing but i want to wait a year to be on the safe side and i also have way to many inquires...5, also one  question will they hard pull or soft pull when ever i do apply? any one know?

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I've been an AMEX member since 1989.  My recent Blue Cash application was a hard pull.  I asked about it and the CSR told me that they hard pull all applications for new cards.