- Centurion Member
- Posts: 257
- Joined: Sun Oct 14, 2012 10:22 pm
- Location: California
MemberSince99 wrote:It will be a hard pull. Approvals on AMEX are ALWAYS hard - if you are a customer and you don't get approved then it's a soft. Only exception is if you are on their blacklist - then there is no pull either but obviously you don't get the card.
I don't know that it will reflect badly against you. If you really don't want to eat the annual fee, then close it, but remember you get the first year free. Might as well keep that long maybe by then things will have changed and you will want it. Just a thought. Why close it now given the first year is free?
This. If you close it, they may or may not report the account since they hadn't reported it yet, but it won't do anything to stop the hard pull you've already gotten by app'ing.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012