Originally Posted by
Diplomatico
Not necessarily true. AMEX does not always do a hard pull for customers who currently hold AMEX cards. I've applied for - and been approved for - both the SPG personal card and an AMEX Platinum card with all three of my CRA accounts frozen since the Equifax hack.
Not always true.
Did not get a HP on the Business Plus x 2 last year.
However it recently pulled CR on both our targeted DL offers. In fact my DL card app was NOT processed until AMEX system got around to make a HP (it went to pending for 3 days so I called as this was highly unusual for me on AMEX cards - the Indian reps told me because "until the other dept can verify public info." On the 3rd call I was told by another Indian rep that "due to they were flooded with app, the applications were in line for getting review... but I moved your app to the front of the queue now..." Shortly after that I got an alert about a HP and the app was approved in several hours after that.