New AMEX account - no hard pull

[Anonymous]

Hey folks, I thought I would share with you that I was approved for last week for an AMEX Hilton card and a week later still have not seen a hard inquiry on my CRs. I saw that there was a soft pull done on September 7th but nothing beyond that. I already have a PRG with them. Do you all think this is a new AMEX policy to only do soft pulls on new accounts for existing customers? Has anyone else had this experience?

[CreditCuriosity]

Many data points recently that more-so than not recent approvals for exisiting card members are SP's.. Although some still get hit with a HP for whatever various reason.  I have had two soft pull approvals on busienss cards recently.  Not sure if it is a cost savings thing or just a favor for exisiting card members, but welcomed none-the-less..  The HP isn't so bad it is more so an AAoA that stings more IMO.

[Anonymous]

I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

[Anonymous]

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@Anonymous wrote:

I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

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When was the last time that you applied and were approved and received the HP?  It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

[Gmood1]

As CC says, lately many folks have reported SPs. I received one as well two months ago on a new Anex card. No HP and the TL is hidden! A double win in my book!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

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When was the last time that you applied and were approved and received the HP?  It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

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Oh man...probably 10 plus months ago I had app-ed for the Hilton? I think it was right around the time I heard they started doing SP's, but I received a HP.  

PS- Irish, did you watch the ND game? Were you as frustrated as I was? I miss the days of when I was a student/had season tickets/and they were good

Edit to add: I was approved for the Hilton. If I needed a new Amex card I would test the waters to see if I would get a SP...

[Anonymous]

Definitely an interesting new development! I wondered why the application process was so easy. Literally all the asked me for was my updated income. I wish they had given me a better starting limit though. The approval was based on my EX score from 35 points ago :-/.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I have always gotten a HP for every Amex card I get. I believe they will, at times, do SP's for existing card members for new cards, but I've mainly heard that occurring when people are declined. It may show up at a later date or you may be super lucky!

---

When was the last time that you applied and were approved and received the HP?  It did used to be the case that only a SP was done if you were declined but in the last 9-12 months something changed within Amex and now the vast majority of new card approvals for existing members result only in a SP.

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Oh man...probably 10 plus months ago I had app-ed for the Hilton? I think it was right around the time I heard they started doing SP's, but I received a HP.  

PS- Irish, did you watch the ND game? Were you as frustrated as I was? I miss the days of when I was a student/had season tickets/and they were good

Edit to add: I was approved for the Hilton. If I needed a new Amex card I would test the waters to see if I would get a SP...

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Yes, unfortunately I watched and was depressed afterwards as is the norm these days,  I too long for the football program that existed when I was there.  A lot has changed at ND and imho, most of it is not good.

[shoegal]

My first Amex the Everyday was a hard pull. I got it at the end of June 2017. My BCE a month later (July) was an SP approval. The PRG was a targeted offer from Amex (posted on the "offers" section with a specific bonus) and was also an SP approval in August. At the end of August, I got an offer for the Platinum card and I didn't like how low it was so I researched and got the good bonus to show on incognito and was approved with an SP too.

[jesseh]

Interesting!