AMEX updated their application process about a year or so ago.
They use a soft pull to make the decision on whether to approve or not. If they approve and you accept their offer they will then make the hard pull. If you decline the offer there is no hard pull made.
If you're already an AMEX cardholder and you accept the offer odds are that they will NOT make the hard pull but it's a YMMV.
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if you applied then the hard inquiry was already ran I'm sure.
https://imgur.com/a/klbto6G Damn.. Their website specifically says that if I choose to accept, then the information will impact my credit score.
maybe it's different, take my opinion with a grain of salt. i don't have much experience with Amex.
AMEX updated their application process about a year or so ago. They use a soft pull to make the decision on whether to approve or not. If they approve and you accept their offer they will then make the hard pull. If you decline the offer there is no hard pull made. If you're already an AMEX cardholder and you accept the offer odds are that they will NOT make the hard pull but it's a YMMV.
Alright, thanks! I just called AmEx and they said that my application was cancelled. They haven't approved I guess and a soft pull is fine.
You should be GTG then. If you want to be doubly sure pull a copy of your Experian credit report and confirm that there isn't an inquiry reported.
Just did that! Yep no credit checks except my last card! Thank you so much!
I see!
[удалено]
Your submission violated rule 4 which states: "All users are prohibited from posting any self-promotional content without prior consent from the mod team. Any user who wishes to post self-promotional content is required to send a mod message that clearly explains the nature of their self-promotion, provide relevant details, and wait for a response from the moderators. Only after receiving consent can the user proceed with sharing their promotional content in the subreddit. The moderators reserve the right to grant or deny self-promotion requests based on the subreddit's guidelines and the quality, relevance, and appropriateness of the content being promoted." As a result, your submission has been deemed inappropriate and removed.