fevmlo wrote:
Sorry about the decline.
They used to be dedicated Experian-pullers. Lately I've seen quite a lot of reports of them pulling hards on all three. I don't know whether this is a case of "pull EX, pull one/both of the others if borderline" or just a case of pulling all three right off the bat if they feel like it, but... it sucks, as I can't think of any card that's worth a hard pull from all three CRAs.
Surely a hard on EX and a soft on the others if they're not sure would suffice? Apparently not, though. Again, I'm sorry you got a "no" - I'm not sure there's much point trying recon with AmEx from what I've heard, and maybe it's for the best after all, as it's not much fun getting in with a creditor only to have them turn around and give you AA a few months down the line because they've decided they don't like you after all. Having AmEx decide you're on the wrong side of borderline and give you a "no" straight away might be better than the alternative of thinking you're in with them and then getting messed around by them for the foreseeable future.
No need to be sorry 
probably just as well, like you are saying about AA. That and lots of
lines being cut, just not the right time I guess. Someone else suggested a 720 score for this
card, mine are around 680-700, probably would be higher if I lowered some balances. I just
hope CCs pulling all 3 reports doesn't become a trend, I've only heard of Capital One doing this.
@Anonymous wrote:
I've only heard of Capital One doing this.
Me too, until very recently - nice of AmEx to jump on their bandwagon, eh?!
