11-09-2012 07:21 PM
Just a guess here, but I think that upgrade matrix (cards available to upgrade, what features you want, etc) they might go ahaed and do the hard pull. I was always under the impression it was soft if you had been a member.
11-09-2012 07:23 PM
This doesn't add up to what I've read on here. I thought if you're a card member already, it's a SP on denied and a HP on approval.
I am planing to app in mid/end of 2013. I would like to know more.
Exactly, that's why I posted this...it's contrary to what is being discussed on this site...
11-09-2012 07:50 PM
Yeah I'm not sure the issue. A quick call to AMEX might enlighten the situation.
11-09-2012 08:00 PM
11-10-2012 10:40 AM
So how did you app? Logging in and apply? or did it as a new member?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO