Originally Posted by
eajusa
I truly believe Amex has certain guidelines for whether they do a hard pull. This year I suddenly was approved without a hard pull.
I would have no idea what the criteria is for this. All I know is that I have been a customer for several years and have missed no payments.
Yeah, something is going on.
I finally read the article from the first post and it says they'll only hard pull you if their initial looking at your app is positive, saying the old line we've been hearing for a long time, that they won't hard pull you if they're gonna decline. That's nice ... but this new development of straight up approving people without EVER doing a hard pull is much nicer.