Chip Lupo, Credit Card Writer
@CLoop
Yes, American Express Platinum Card® does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.
It is worth noting that, when you apply for an Amex personal card, a soft inquiry will be made on your credit report first and you will be told if you are approved. However, if you are approved and decide to accept the card, American Express will conduct a hard inquiry, which might lead to a slight, but temporary decrease in your credit score.*
The Platinum Card® requires good credit to be approved. You can check your credit score by signing up for a free WalletHub account. You’ll have access to free credit scores and free credit reports, both updated daily.
*This application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.
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People also ask
Does American Express do a hard pull?
Yes, American Express does a hard inquiry on your credit report when you apply for a card, but it only takes place after you are approved for the card and choose to accept the offer. If your application is denied or you are approved but choose not to accept the card, there will only be a soft inquiry. This differs from other credit card issuers, where there will always be a hard inquiry when you apply...
read full answer by Chip Lupo, Credit Card WriterIs it hard to get the American Express Platinum card?
It may be hard to get the Platinum Card® because you need a good to excellent credit score and a high income to be eligible for this card. Approval is never guaranteed, though.
What Makes the Platinum Card® Hard to Get?
You Will Need Good to Excellent Credit
You’ll need a good credit score or better to have a shot at getting approved for the Platinum Card®. American Express will also review your payment history...
read full answer by Chip Lupo, Credit Card WriterDoes Amex combine hard pulls when I apply for two credit cards?
No, Amex doesn't combine hard pulls into a single inquiry when you apply for two different cards. However, it is worth noting that American Express allows applicants to submit an Amex card application using a soft inquiry. So, only if you get approved and accept the offer, a hard inquiry will be made.
Things to Know About Applying for Multiple Amex Cards
- Even though one hard inquiry may not have a huge impact, being approved...
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