Originally Posted by
doublemazaa
Apologies for this somewhat pedantic reply, but you may apply and receive a new Amex card with no hard check whatsoever. On the other hand, the new account will appear on your credit report once it is opened, so it will be no secret to other creditors that you have a new card.
In my understanding credit card users are too concerned with managing hard pulls. If your credit is good, adding a few hard credit checks to open your history will not make a material impact on your credit.
Thanks... your reply is very informative and did not come across as pedantic. This is not about keeping any secrets, but given that I have more hard pulls that would be optimal - I am trying to keep them as few and far apart as possible... perhaps Im looking too much into this and I need to relax. My credit isnt stellar, but it isnt terrible - the not very reliable free scores that the banks give you all show scores that average 760.
It is very helpful to know that you can/may actually receive new AX cards with no hard check - this is what appears to be posted by various sources on different websites and social media platforms (authored by apparent credit repair/counsel experts). I do take a lot of what I read with a healthy dose of salt - and I guess a lot of whats out there is in no way guaranteed to happen. The devil is in the details and every case is different.
Greatly appreciate the feedback from everyone - and would value getting more data points, tips & experiences that others may care to share.
Many Thanks,
Alex / Gaucho100K