New AMEX account - no hard pull

[Anonymous]

3 of my 4 Amex accounts have been SPs. i only have two HPs on my EX. My BCP was my first with a hard pull. a few months later I got a mailer for the PRG, approved, no hard pull. A couple months after that I tried Delta Gold and got denied. Hard pull didnt hit until I tried a recon. Tried Delta again when they had the 60K bonus and was approved with a soft pull. Finally just last week, I got the SPG with a soft pull. Seems to be the new trend with existing card members.

[Anonymous]

It took a while but Amex finally showed an HP for my PRG back in December. I had a BCE since 2011..

[MrDisco99]

I got three cards on the same day (EDP, PRG, green) with no HP.

I love Amex, and they apparently love me.

Also, Go Dawgs!

[Anonymous]

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@MrDisco99 wrote:

I got three cards on the same day (EDP, PRG, green) with no HP.

I love Amex, and they apparently love me.

Also, Go Dawgs!

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Are you looking to be banned?  

[Anonymous]

Hey Mr Disco, Go Dawgs my friend. 

And Irish I dont want to be banned either but I think we can both agree it was sloppy game on both sides....

[heyryan]

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@Anonymous wrote:

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?

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I've had a charge card since 2014 with them, and I got the biz Delta and Starwood cards last year - both were a HP. Not sure if it makes a difference with one product vs another, or biz vs personal, but consider yourself lucky to save the hit

[Anonymous]

Here is what happened to me

In July got a PRG and got a hard pull.  A week later I got a BCE and no hard pull.  Then last week I got Amex Platinum and got a hard pull. Yesterday I got the SPG and no hard pull.  Not like it makes any difference. At my hard pull count additional hard pulls do not affect my score.  The 2 new accounts that reported lowered my score by 2 points and then them month changed and I got the 2 points back.  

[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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I know this is a different product but still Amex but they recently offered me a loan that explicitly stated SP only.

[Anonymous]

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@Anonymous wrote:

Here is what happened to me

In July got a PRG and got a hard pull.  A week later I got a BCE and no hard pull.  Then last week I got Amex Platinum and got a hard pull. Yesterday I got the SPG and no hard pull.  Not like it makes any difference. At my hard pull count additional hard pulls do not affect my score.  The 2 new accounts that reported lowered my score by 2 points and then them month changed and I got the 2 points back.  

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I got the reverse, BCE (first account since Amex sold Costco to Citi) in April was HP, Simply Cash in May another HP, last week BCP was SP.

[Anonymous]

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@Anonymous wrote:

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 :-/.

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I just applied for the new delta blue amex card today and it was a SP. All they asked was for my income and assets. Then I was approved. I was disapointed in the limit as well.