Amex Hard Pull/Account not showing on credit report.
Jul 11, 2017, 11:23 pm
#1
Original Poster
Join Date: May 2015
Posts: 183
Amex Hard Pull/Account not showing on credit report.
I applied for and was approved for a Hilton Honors Surpass card on May 31st. Car shipped on June 02. First charge was made on June 03 and the first statement generated on June 13th. So far neither the account nor a hard pull has appeared on any of my credit reports. Should I be concerned? I was approved for a Ameriprise Platinum card on July 10 and that hard pull appeared on my experian credit report the same day.
Jul 12, 2017, 4:23 am
#3
Original Poster
Join Date: May 2015
Posts: 183
Jul 12, 2017, 6:05 am
#5
Join Date: Jun 1999
Location: NYC/LA
Programs: DL Plat, AA Plat Pro, Marriott Titanium, IHG Diamond Amb
Posts: 7,484
AMEX has been known to not always do hard pulls for existing cardholders. Personal card accounts will eventually show up on your credit report, but in my experience it can take two billing cycles.
Jul 12, 2017, 6:05 am
#6
Join Date: Sep 2011
Posts: 1,857
Amex will occasionally approve existing customers without a hard pull. That would explain the missing inquiry.
Amex doesn't report your account to the bureaus until your second statement. This is normal. I suspect you'll see the new account shortly.
Amex doesn't report your account to the bureaus until your second statement. This is normal. I suspect you'll see the new account shortly.
Jul 12, 2017, 7:05 am
#7
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Jul 12, 2017, 9:31 am
#8
Join Date: Sep 2014
Location: NYC
Posts: 498
It is pretty well known lately that Amex apps are not showing HPs(many DPs on reddit). There's even reports on no HPs for new customers. I just applied for 2 cards an no pulls from both(Personal Delta Plat and BB+). Just be happy Amex has either screwed up recently, or changed some policies around.
Jul 12, 2017, 11:56 am
#9
Join Date: Mar 2014
Location: ATL
Programs: DL DM, Hyatt LT DM, Wyndham DM, Hertz PC, HH Gold, SPG Gold, Marriott Gold
Posts: 2,038
This happened to me. Had a 15yr account, added DL Gold and upgraded to Platinum in last few years. Applied for big sign-up bonus Personal Plat and no pull.
Jul 13, 2017, 9:24 pm
#12
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
I could see a soft pull approval from an established customer who has a long history with the company, though
May 29, 2018, 1:11 pm
#13
Join Date: May 2018
Posts: 4
Sorry guys I know this thread is nearly a year old, but after applying for my first amex (ever) I was reading forums trying to figure out my approval odds. I seen this one (and others) a few times about the soft/hard pulls for new & existing customers, and noticed alot of people like to have data points. Figured I would add in that amex did not do a hard pull on my credit only a soft (Transunion) ! I have never had an account with them before, and they have been reporting my balance/payments to Transunion. I will try to attach screen shots
May 29, 2018, 1:13 pm
#14
Join Date: May 2018
Posts: 4
Sorry guys I know this thread is nearly a year old, but after applying for my first amex (ever) I was reading forums trying to figure out my approval odds. I seen this one (and others) a few times about the soft/hard pulls for new & existing customers, and noticed alot of people like to have data points. Figured I would add in that amex did not do a hard pull on my credit only a soft (Transunion) ! I have never had an account with them before, and they have been reporting my balance/payments to Transunion. I will try to attach screen shots