I got approved for CLI from 7k to 20K on my Starwood card! Which is great, but I then wanted to PC into the Costco card. I didn't realized they don't allow that switch and when I asked if I would get a second hard pull they said yes. Can anyone verify this? I originally opened the starwood of Feb 2011.
HP if approved, SP if denied
Recently (yesterday?) there was a post about someone apping for a second Amex, being denied, and still receiving a hard pull. The second card was a business card which perhaps makes a difference; however, the poster reported having previously applied for the business card, being denied, and only receiving soft pulls. So, while there is a lot of anecdotal evidence that you can apply for a second Amex and only receive a soft pull for a denial, just a reminder that policies can change, and you should always expect a hard pull when applying for any credit.