New Card and No Hard Pull?

[scientifics]

I just applied for one of the new Amex Blue cards yesterday and it said I needed to wait 14 days to hear.  I immediately checked the status, and it said I had been approved.  I have Experian Triple Alert provided by a company that may have lost my info, and it has no alerts for any hard pulls on any of my three reports.  Did Amex not do a hard pull to approve me? (I've never had an account with Amex) or does it take a while for hard pulls to show up on the alerting services?

[aamex]

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@scientifics wrote:

I just applied for one of the new Amex Blue cards yesterday and it said I needed to wait 14 days to hear.  I immediately checked the status, and it said I had been approved.  I have Experian Triple Alert provided by a company that may have lost my info, and it has no alerts for any hard pulls on any of my three reports.  Did Amex not do a hard pull to approve me? (I've never had an account with Amex) or does it take a while for hard pulls to show up on the alerting services?

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I have the same exact question. I applied for Blue cash, 2 days ago and still have not seen a hard pull (Thankfully). The funny thing is I use their CSM. But, I also applied for another in the same day and did get alerted a day later...Maybe they are behind?

[aftermath]

I had the same thing happen to me yesterday.

I applied for aa Amex Gold Charge Card and was denied.

I checked my EX reports soon after and today as well... no inquiry.

Alerts usually take a day to pop up.

If you want to find out for sure, pull an actual report from either Experian directly or through a credit monitoring service.

I'm wondering if Amex's system is glitchy and they are temporarily giving away inquiry free card applications?

[haulingthescoreup]

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@scientifics wrote:

I just applied for one of the new Amex Blue cards yesterday and it said I needed to wait 14 days to hear.  I immediately checked the status, and it said I had been approved.  I have Experian Triple Alert provided by a company that may have lost my info, and it has no alerts for any hard pulls on any of my three reports.  Did Amex not do a hard pull to approve me? (I've never had an account with Amex) or does it take a while for hard pulls to show up on the alerting services?

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That's pretty interesting!

Usually the hards show up immediately. Back when I first applied with BofA, I was on hold with them for a small eternity, and I pulled a TrueCredit report (back when they did all three). The hard was already showing, and I wasn't even off the phone yet.

It's possible that your credit monitoring service doesn't exactly do real time, and there might be a day or two's delay in letting you know.

On the other hand, you might have gotten lucky!

'grats on the new card.

[haulingthescoreup]

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@aftermath wrote:

I had the same thing happen to me yesterday.

I applied for aa Amex Gold Charge Card and was denied.

I checked my EX reports soon after and today as well... no inquiry.

Alerts usually take a day to pop up.

If you want to find out for sure, pull an actual report from either Experian directly or through a credit monitoring service.

I'm wondering if Amex's system is glitchy and they are temporarily giving away inquiry free card applications?

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Good point! It's possible that it's on the report, and the monitoring service hasn't cruised through and found it. There's a cost (to the monitoring service) involved in checking your reports, so I doubt that they check them throughout the day, or even daily. Or they haven't sent out an alert; same difference in the end.

If someone has actually pulled a report and the inq isn't there, that's different.

[aftermath]

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@haulingthescoreup wrote:

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@aftermath wrote:

I had the same thing happen to me yesterday.

I applied for aa Amex Gold Charge Card and was denied.

I checked my EX reports soon after and today as well... no inquiry.

Alerts usually take a day to pop up.

If you want to find out for sure, pull an actual report from either Experian directly or through a credit monitoring service.

I'm wondering if Amex's system is glitchy and they are temporarily giving away inquiry free card applications?

---

Good point! It's possible that it's on the report, and the monitoring service hasn't cruised through and found it. There's a cost (to the monitoring service) involved in checking your reports, so I doubt that they check them throughout the day, or even daily. Or they haven't sent out an alert; same difference in the end.

If someone has actually pulled a report and the inq isn't there, that's different.

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I did!  It isn't there!  Something weird is going on over at Amex.

I pulled right after the application and also checked today.

[aupperk24]

Just applied, Got a hard pull instantly. Not sure if accepted, i will be contacted by mail in 14 days.

[DI]

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@aupperk24 wrote:

Just applied, Got a hard pull instantly. Not sure if accepted, i will be contacted by mail in 14 days.

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I was just about to apply for a new AMEX card until I saw your post.    Not getting hit with a hard inquiry is a good deal. 

[aftermath]

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@aupperk24 wrote:

Just applied, Got a hard pull instantly. Not sure if accepted, i will be contacted by mail in 14 days.

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Looks like they fixed their glitch.

[aupperk24]

Lame, i was hoping for a new card without a hard pull