Total Noob question on Delta

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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JRG1392
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Joined: Thu Jan 31, 2013 10:00 pm
Location: Kansas City, KS

Postby JRG1392 » Mon Aug 12, 2013 9:49 pm

MemberSince99 wrote:Snowman, I honestly think you have nothing to lose except some bruising of the ego (which sucks I'll grant) by apping for the BCE every 60 days until they let you in. It's a soft pull if you are declined so you literally have nothing to lose except the sting of the decline. For certain go for it in January of next year for maximum backdating if not sooner.


Wow I've never heard that before, is it really only a soft pull? Is that something specific with Amex?
American Express Zync ~ NPSL
American Express Everyday ~ $2000
Bank of America Travel Rewards ~ $1500
Chase Freedom ~ $2500
AU Capital One Venture One ~ $5000


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Snowman
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Postby Snowman » Mon Aug 12, 2013 10:52 pm

JRG- Yes. Once you are an Amex cardholder, if they deny your app, then it is a soft pull. If they approve, then it is a hard pull.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

JRG1392
Green Member
Green Member
 
Posts: 16
Joined: Thu Jan 31, 2013 10:00 pm
Location: Kansas City, KS

Postby JRG1392 » Mon Aug 12, 2013 10:57 pm

Are there any other banks that do that or is that an Amex only thing, like backdating the age of account?
American Express Zync ~ NPSL
American Express Everyday ~ $2000
Bank of America Travel Rewards ~ $1500
Chase Freedom ~ $2500
AU Capital One Venture One ~ $5000



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