Cards That Decline w/ a Soft Pull?

TenaciousRebuilder · ‎09-06-2013

Other than Amex, can anyone name some cards that will only soft pull you if you are declined?

vish1 · ‎09-06-2013

I have seen Amex doing a HP and then decline.

WolfMan · ‎09-06-2013

AMEX only does that if you are already a cardholder.

chrisw1968uk · ‎09-06-2013

do you have to be logged into your account when you apply? or does the system cross reference and know that you are an existing member? Thanks

Lynnst · ‎09-06-2013

When I app'd with AmEx last year it was a hard pull and a decline. I have never had a card with them though.

nuggets321 · ‎09-06-2013

OP if you apply from your home account management screen for (another card) it will link you as an existing carholder and will result in a SP... just got shot down for the Amex BCE and it was a SP only At least thats what happened with me ... YMMV

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TenaciousRebuilder · ‎09-06-2013

Although that info about Amex is good, we're getting a little off track. I would like to know card companies that will only soft pull you if you are declined - excluding Amex. I am particularly interested in Discover, Chase, Barclays and BOA but any non-Amex cards are appreciated. Thanks.

dodgerslv · ‎09-06-2013

@TenaciousRebuilder wrote:
Although that info about Amex is good, we're getting a little off track. I would like to know card companies that will only soft pull you if you are declined - excluding Amex. I am particularly interested in Discover, Chase, Barclays and BOA but any non-Amex cards are appreciated. Thanks.

none of those banks will decline without a HP. Your best bet is to see if you are pre-qualified for one of their credit cards. Chase, Bofa, Citi and Barclays have that option. If they have offers for you then you increase your chance of getting approved (with a HP still).

gardening since 5/21/2016

wHiTeSoL · ‎09-06-2013

@dodgerslv wrote:
@TenaciousRebuilder wrote:
Although that info about Amex is good, we're getting a little off track. I would like to know card companies that will only soft pull you if you are declined - excluding Amex. I am particularly interested in Discover, Chase, Barclays and BOA but any non-Amex cards are appreciated. Thanks.
none of those banks will decline without a HP. Your best bet is to see if you are pre-qualified for one of their credit cards. Chase, Bofa, Citi and Barclays have that option. If they have offers for you then you increase your chance of getting approved (with a HP still).

Yeah, I dont think it exists, atleast not mainstream. American Express is an oddity.

thecentury303 · ‎09-06-2013

@chrisw1968uk wrote:
do you have to be logged into your account when you apply? or does the system cross reference and know that you are an existing member? Thanks

I am curious about this too. Any suggestions?

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)